I have a pretty good assortment of stuff now......the piece that I have found makes a WORLD of difference is a $15 used sugoi windbreaker i bought off the bay. the past 2 days have been around 55 windy and no sun. I brought it along and started getting a bit cold as evening was coming I put that on and it really worked perfect to cut the wind chill...today same thing. Im sure I could keep layering as it gets colder and throw that on as top layer. I guess this is all obvious to u all but I alway thought to use a windbreaker on its own for a cool summer day or something... i started cycling last march so im approaching my first winter