This is my first year of riding, so I'm still trying to figure out what I need in terms of cycling apparel. I am looking for specific suggestions / recommendations for what you wear to ride in 30-40 degree weather. I have one wool jersey that I love, and I'm very interested in solutions that involve natural fibers. So....head to toe, what do you find works best? And if you have layers that you shed, where do you put them while you ride? Thanks!