I'm a fan of windbreakers, water resistant or no depending on weather. Double layers of jerseys under or a cycling vest. Armwarmers nearly every ride. And the absolute minimalist way of carry that windbreaker and other stuff - a thin, long and very stretchy sock (black of course) strapped under my tool bag with a long toe strap.

For a while, those socks were the fad for cross country skiing. I bought a few. When they run out, I'll look into women's stocking/pantyhose. (No shame here. I discovered last year that the super straps for the custom knee pads I've been wearing for 17 years are bra straps and that there are very good on-line stores for DIY bras. It just occurred to me, those women at The Bra Builder would certainly know of the best brand stocking for the next round of bike stash bags!)

Custom length toe straps - most toe straps have one rivet that can be drilled out. A good leather store can cut you 1/2" straps of the full hide length (say 5 or 6 feet) from which you just cut what you need. Drill for the rivet and use a pop rivet. The leather stores sell colored dressings. The black is really black, easy to apply, cheap and will return all sorts of other stuff to black very nicely.