thanks everyone...this definitely helps. i'll do a search as well (didn't mean to come off as lazy! i just hadn't immediately seen anything and i'm into instant gratification...hahha..)

anyway, my commute is 30 miles round trip along a river (wind!) - and i usually ride about 120 miles or so on the weekends. layering definitely seems like the way to go since i'm sure i'll warm up a bit as i go.