This is my first year trying to ride through the winter. Doesn't get really cold here for long but I've been riding in the 30's and 40's.

I agree: LAYERS!

Top: Underarmour sleeveless shirt, UA longsleeve shirt (these fit close to the body to wick moisture), a regular SS jersey, PI wind vest and a wind jacket. Even at temps in the 30s I usually sweat so I could probably lose the UA sleeveless shirt. Sometime go without the vest. None of this is bulky.

Bottoms: PI AmFib tights if it's below 45. Performance tights above 45.

Head: Heatsweats skull cap. So thin you hardly know it's there but it REALLY helps keep me warm. And the helmet fits over it easily.

Feet: My regular cycling socks and PI toe covers. If it's really cold I have a pair of wool cycling socks that are a bit thicker.

Hands: Full fingered cycling gloves and a pair of REI thin gloves with gripper dots over top. I just orderd some PI cold weather gloves. They aren't bulky, which is nice, but I haven't had a chance to try them out yet.

Good luck...riding in colder temps isn't as bad as I thought it would be. I actually prefer it to the 100+ temps we get in the summer!