I live in Tucson, and our winter temperatures are probably somewhat similar to yours. I faced the same dilemma last fall. This is a little long and rambling, but here goes.

What was essential for me: wool socks, something on my head to keep my ears warm, a lightweight jacket, a layer for under a jersey and another layer over my shorts.

I don't know how much you want to spend, but I found some creative and inexpensive solutions for colder weather that got me through the winter that made the transition

As an alternative to cycling specific knickers, I found a pair of fitted running capris at a Ross discount store for about $10. I pull them on over my shorts. It often warms up enough by the middle of a ride that I can shed the capris, and my saddle bag is roomy enough to stuff them into if I need to. I've since lost weight and couldn't find another pair at Ross but found some at Penney's on sale for $20. I also got some inexpensive running tights at Ross, but only wore them a couple of times. I'm short, and the cycling tights are mostly too long for me anyway.

I definitely recommend wool socks! I bought shoe covers but have never worn them. I also bought full-fingered gloves but have never used them either.

I love my light weight wind breaker- mine can squish up to fit in a jersey pocket. That was one of the few cycling-specific items I bought, and I have used it often. I also like it because it's high-viz (yellow-green).


I looked seriously at buying a thin wool base layer, but settled for a long-underwear top for a base layer (also found at Ross). I rarely used it except on a couple of really chilly early morning rides.

Another thrift store bargain was a half-length undershirt - I don't know what it is called. it has long sleeves but doesn't cover my whole torso- just my bra. A good base layer would probably work as well or better, but for $3 it was just enough temps in the mid-50's.

I have a one middle-weight long-sleeved jersey, but don't wear it often. I could probably manage just as well with layers. I might use a lightweight long-sleeved jersey more if I had one.


I bought arm warmers, and use them from time to time, with a short sleeved jersey. I haven't tried leg warmers yet.

For keeping my head warm, I have a cashmere beanie (another thrift store find). Or I use a fleece band that covers my ears.

I hope those ideas are helpful...