Cataboo, I am fine on the bottom. I wear silk-like long underwear with my Ibex windproof front/wool back tights. And Ibex boy shorts underwear. If it's warmer than 30, I leave off the long underwear, or wear my heavier weight tights I use for cycling. But, I think you are right with the bra. I have been thinking about switching to an Ibex bra for awhile. I am also OK with my gloves/liners. I have a selection of mittens this year and I almost always use liners and hand warmers when it's below 25. I'm OK with the socks, too... Smart Wool all the way.
I bought a Gore cycling jacket from someone on TE; it has pit zips, in fact the sleeves come off. I could wear it skiing, although it's very tight and I may have to re-evaluate my mid layers. At this point, I don't really want to spend the $ for a new jacket. Perhaps at the end of the season, I will look for something on sale.