derekU2, check out sierra trading post for clearance / closeout stuff. Also check the c/c are at rei & other websites, even campmor has bicycling gear.

This morning was 39° in Minneapolis, my coldest commute yet. Somehow it went from sweaty weather to frosty in about a week. I still need a good jacket & full-finger gloves, but survived this am with:

wool socks (under mtn bike shoes)
running tights over bike shorts
wool jersey (short sleeve)
arm warmers
nylon long sleeve shirt/jersey
fleece vest
thin balaclava under the helmet