Another great layer for your legs are REI Power Stretch Tights (made of Polartec Power Stretch). I wear mine for both riding and walking in the cold winter weather here in Massachusetts.

And yes, I know, Minnesota gets considerably colder. But it's still a good layer.

If this link doesn't work, just do a search on the REI web site for REI Power Stretch tights: http://www.rei.com/online/store/Prod...S_CLOTHING_TOC

--- Denise