In our area, a combination of wool baselayers of different weights, windproof vest and long sleeve thermal jersey works for dry conditions, a waterproof jacket with pit zips and lots of openings if it's raining. Most fall and winter days I can get away with a long sleeve wool shirt up to 260 weight and a vest. Bibs and leg warmers or bibs and tights depending on temperature keep the knees and legs warm.

sierratradingpost.com usually has decent deals on Icebreaker and Smartwool shirts.