I have a good mirror that I look in before I leave the house - so I don't wear tights or spandex. Nobody wants to see a chubby old dude in spandex. I just wish a lot of other people would buy themselves a mirror! (Ever look at the WalMart customer pix on YouTube?)

I use insulated base layer top & bottom under a jersey, cycling windbreaker & lined sports pants. If it gets colder I may add a sweatshirt. Don't have a lot of hair so I wear a helmet liner under the vented helmet. I try and ride as long as the trails are clear, but about 35 degrees is my cutoff point.