Well I picked some thermal tights at our new Performance today. I am headed out in a 42 degree wind chill with:

Baclalava (not fleece though)
Sports Bra
Pearl Izumi Compression Top
Arm Warmers
Jersey
Light Jacket
Shorts
Thermal Tights over the shorts
Long finger fleece lined gloves
Wool Socks
Toe Warmers

I think I should be warm. Come on knees, help me out!