One more vote for the craft product. I was skeptical for the reasons cited but I found it worked extremely well for me and resulted in less use of more bulky clothing. I mostly MTB in the winter and I can wear a pair of Sugoi mid-weight bib tights, the craft windstopper base, a regular jersey, and mid-weight Gore gloves down to about 32F. Add my "winter weight" old team jacket, lobster claws, and a cap/bootie combo and I'm down to low 20s, at which point I prefer the trainer.