Knotted Yet and Lisa thanks for helpful replies. I have cold gear and sw zip I wear for underlayers. I think another warm and wind protective layer is what I need. I was thinking about the Shower Pass jacket since I need a rain jct. but mabe it wouldn't breathe well enough. Ibez also has breakaway jacket in their sale section might fit the bill. Too many choices, and costs too high not to get it right. I called Ibez and they recommended the cirque jacket. Lisa, mabe I should just follow your lead and get a heavy sweater and wind top. Nice to have someone to talk with, since all my family and friends thinks I'm loco about this cycling thing. Lisa sounds like your burning 200 calories just getting your layers on!