I agree with the prev. posts. Layering is really the key. I don't even think of a WINTER COAT when riding until the temp drops below 0F/-18C. Then I don't actually wear my heavy winter coat, but an insulated jacket and put a layer of fleece on. the core is really easy to keep warm, extrimities are much harder to keep warm. You may also keep your eye on the local thrift stores for long sleeve t-shirts, coats and gloves. Good luck and Have a blast!