Izumi pearl are great, a little pricey, but ulitimately worth it. I've got 2 pair. Use them as liners for errands/commuting or single layer for weekend group rides. 'Attack Shorts' are the product name. The seatpads are top notch and hold their shape after many washings. I've got a couple of wool sweaters 100% wool, handmade. Very warm w/a baselayer (poly-pro)and wind/waterproof jacket of Gore-Tex. Thick, thermal tights and you're pretty much done. Balaclava, nose cover, hood, liners and Gore-Tex Gloves(+liners) or Mittens(+liners) w/woolsocks, sealskinz sock, neoprene booties and cycling shoes. If it's really bad I break out the sugoi pants from 10 years ago that have a 550 per inch thread count in the front and a 225 per inch thread count in the rear for ventliation purposes...and they work! Clear googles from Home Depot for 5.00 per pair. I drill holes in the lenses for ventilation...it works! Coat outside of lenses w/rain-ex and the inside w/Fog-ex and it keep my glasses very clear.