ephemeron - thanks for the info, unfortunantely I wear either a large or xl depending on the manufacturer.

cyclezealot - I'm not sure a thermal shirt would work as well as a jacket. It doesn't keep the wind off and I'm not sure how well they wick. I'd probably be better off with getting some thicker arm warmers for the real cold/windy mornings/drizzly mornings. I get cold hands fast so I'm probably going to get some polypro glove liners to help with that and as for my feet, coolmax socks with thin wicking sock underneath works well in winter to keep my feet dry and fairly warm. I've seen guys around here with shoe covers on a sunny winter day...it's that wind that gets everyone.

I usually start my rides early in the morning..around 6 or so....I love the cold temps in winter, it's invigorating. If I ride later in the day it's usually because it was pouring in the morning (rare).