I need help!

I'm signed up for a sprint tri on the 22nd (like a week and a half from now). Given the unseasonably cold weather we've been having, I'm going to guess that temps will probably be in the low 40s.

The swim is a pool swim, with mass bike start, and there should be plenty of time between, so I'm planning on wearing a swimsuit for the swim and changing into a DRY run/bike outfit.

This is too cold for shorts, for me (might be able to get by with shorts for running but not for biking). Has anyone seen such a thing as tri-capris? Or I suppose capris with a very minimal chamois might be ok too (I think I'd hate running with a regular chamois). I really don't want to race in leg warmers or knee warmers -- I got my first pair of leg warmers last week and was amazed at just how unflattering they are, and I don't have lots of fat on my thighs -- plus I don't want to have to fuss with getting them at the "perfect" height (least unflattering but won't slip down), or deal with them if they do slip down.

Any suggestions? Anyone raced in similar temps?

Remember I don't have to worry about something that works for the swim, so I have a bit more flexibility in terms of chamois.

Thanks!!!