This is my 4th year of riding through the winter. The 1st year was making do with what I had & piling it on top of me as best I could to get the layered effect. It doesn't work terribly well, & there were days that were so cold I came back in tears ready to quit. I didn't see how anyone could enjoy this winter riding stuff. The next year I started investing in serious winter gear. It is expensive, so unless you live in an area that is really cold & you plan on riding a lot, you'll have to decide whether it is worth it for you. It made all the difference in the world for me. I still layer, but less is more with winter gear. I have 3 different thicknesses of base layers, I select one for the temperature. I have 3 different jackets with varying amounts of wind stopping & lining. I have tights with pads, and heavier tights without, heavy-duty winter boots, gloves with liners, caps & balaclavas. Yesterday I rode 20 miles, it was 21 degrees with a windchill of 18. I actually thought about riding further, because I was comfortable.

Good gear costs $$. I have been accumulating mine gradually, and can justify the cost because I can still ride 5-6 days a week outside. I draw the line at ice & snow. But cold temps & wind won't keep me indoors.

Tights will vary in price depending on whether they have a chamois, whether or not they have wind-proofing, and how many seams & panels. Better tights will have more stitching to allow your leg to bend easily as you pedal. I avoid wind-proofing that is cut in a single layer -- I find it is too stiff & my legs get tired pedalling. Otherwise, if you can, buy 2 pair that are different. You will probably find each one works better in different temperature ranges.