I pretty much wear the same on my mountain bike as my road bike. Bottoms are fleece (lined) tights, wool socks or neoprene type socks. It is harder to wear shoe covers cause they won't stay on if you have to walk a bit or put your foot down in mud, snow, etc. I wear the tights over a pair of biking shorts. Some like to wear the under the shorts, but not me. If it is really cold, I wear a lighter pair of tights under the fleece lined tights. There are also fleece lined tights with a wind proof front part. These are nice, but I just don't have a pair so I make do with what I have. Tops are easy as you said, polypro type long sleeve shirts under, a long sleeve jersey (if necessary) and a nice cycling warm jacket. The layering depends on how cold it is. A nice pair of warm gloves, an ear warmer (fleece) or a skull cap under the helmet and you are set to go.



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) and cut them up like Jennifer Beals leg warmers. I have no idea if it would work, but my bottom layers would go like this...

