Thanks everyone - advice much appreciated!

I feel ok in the stuff that I'm using at the moment but I think I could get more performance or comfort out of a jersey and definitely some better shoes (my trainers are pretty old).

I'm more of a buy-online girl but I think I'll go to my local bike shop to check out some of the options that you've suggested and try some things on. I like the suggestion of the black side panels on the jersey.

Thank you! I'm continually bowled over by helpful everyone is on these boards!