Have you tried local thrift stores or Goodwill? I live in OKC, and there are a couple stores that I frequent that I've found good winter wear for cycling. I got a great wool sweater that I wear when it's really cold, and I've found two Under Armour l/s shirts, a thick pair of fleece lined tights and a few jerseys (granted, I have to sometimes search and hunt, but it beats paying retail and since I've gone "green" I won't buy most new things anymore anyway ). There is one consignment shop near a really ritzy part of town where all the rich ladies drop off their clothes that they've only worn once or twice (or sometimes not at all) that I find some great deals on nearly new workout wear.
Not that this idea's for everyone, just thought I'd throw it out there. I've gone hippy- what can I say?

And, I'd offer you some of my stuff I don't wear, but I'm a really large lady compared to you.