I like merino wool jerseys. You can get a few long sleeve or short sleeve with arm warmers. They aren't cheap but you can ride several days before cleaning, they don't stink. I buy mine from Vintage Velos and a company in Portland (oregoncyclewear). The Oregon stuff is very good and they run specials on some colors. Spring for a long sleeve and a short sleeve and a few arm warmers and you are set on the top. If your legs get cold get a pair of cycling rain pants in goretex or event. Again, you only need one or tow pair at most.