I am actually about to post my entire winter biking wardrobe with explanations on use and where i got it, but winter here i think may be a bit different than in DC...

One theme that anyone riding in cooler weather should always follow, is cold air on sweaty skin = not good. Even 50 degrees can lower your core temperature if you're not dressed right, regardless of exertion generated heat. Skin = radiator, wet skin = supercharged radiator.

- Andy