Summertime: lycra "t-shirt" jersey from Sugoi or LG, Castelli bib shorts, Shimano shoes [of the MTB racing variety], cycling-specific unlined baggy shorts to protect me from Ma Nature and crashing, REI full-finger gloves, Catlike helmet [full Euro-trash roadie style], Smith Sequel sunglasses, black Ultimax liner socks.
Winter: t-shirt, boxers, Pearl Izumi Barrier jacket, SHANTS from Under the Weather, Shimano MT50G shoes, Polartech 100 balaclava [if needed], MEC Venturi tights [if needed], Catlike helmet [full Euro-trash roadie style], Smith Sequel sunglasses, black Ultimax liner socks, MEC lobster mitts