For wool I would check the thrift stores. Last year I bought 2 duo fold base layers one is a single layer and the other is double layer and got them both for 6 bucks. Sometimes you can find very good waterproof breatheable gear for next to nothing in the thrift stores. If you aren't gonna ride in the rain I suggest you get a trainer to ride cause you are going to drive the car more than you ride. I will ride some in the winter but if its foggy I live in the south sound in the valley so I don't ride much in the winter either. I'm setting up the trainer tomorrow.