little tip I read here on FB and like to share a lot: clear, cheap, motel style shower cap.

easy to stow, protects from rain, yes, but also wind, and because it also traps air, it provides a thermal barrier. it's easy to whip off if you get hot. they are transparent so your reflectors will still light up when headlights hit them. they don't look nearly as dorky as you might think. in fact you'll look smart
http://drivesafely.allianz.com/stati...2035751579.jpg
http://pedalprecision.com/wp-content...shower-cap.jpg