C'mon, what do you really need to ride a bike for 25 mins? A cheapo polyester athletic t-shirt from old navy and just throw whatever sweaters, sweatshirts and coats you have on. You probably already have long johns and sweatpants which you can wear under jeans or pants if it's below 20F. A bandana or ski baklava under your helmet and some ski type gloves and you're set.