In winter, smartwool jersey followed by a windbreaker type jacket. If it's really cold (<30) add an intermediate light fleece layer. Rain jacket only if it's really dumping. Below, cycling shorts under windstopper pants. Lake winter shoes. In summer, light poly tee, shorts, Keen sandals. I can't say enough good about the smartwool. If you're wearing poly tops, give it a try. Yeah, it's pricey, but I have two that I've been wearing for seven years now, about 9 months out of the year. they still look new. The stuff lasts, feels great and doesn't stink.