This is my first full-season of riding and I'm trying to avoid blowing too much $$ by trial and error for cool weather clothing. There seem to be an array of ways to approach this. Wondering what your thoughts are on long sleeve thermal jerseys vs. jackets (softshells and windshells) with a base layer underneath? I hope to be able to ride into the high 30s and as I run cold need something in the low 60s.