Knot- your story reminds me of what I did today...
Since it's been in the 20's an awful lot lately, I have been doing less bike riding and more fitness walking.
This morning was in the 30's, so DH and I decided to brave a bike ride. I bundled up good....and I put my SportHill wind resistant winter pants on OVER my Ibex thick wool tights. Oooohhh-my legs were nice and warm!

A few miles after we started our ride, I suddenly realized that I had completely forgotten to wear something with a chamois pad. All my fitness walking had gotten me out of the habit of automatically reaching for chamois tights. Our ride was going to be 30 miles, about 3 hours long. My Brooks saddle has no padding whatsoever. Yes, Brooks saddles are nicely molded to one's butt, but they are still rather hard leather!

DH said we could shorten the ride, but I said no I'll get through it, it's only 30 miles. Well, I did manage just fine- a tad sore towards the end, yes, but only because my sit bones were accustomed to having a decent chamois pad on rides over an hour.
At least my butt was nice and warm though.