i agree... definitely get leg and arm warmers! if you need warmer shirts.. you can wear sweathirts... "regular" long under wear shirts... etc....

a good windproof cycling jacket is also not a bad idea.. but you don't have to get a super duper heavy one.. get a lighter weight one that you can wear for more seasons.. and just layer on sweathirts and long undie shirts underneath!

my fashion sense on the bike went all to hell last winter... sweatshirts... turtle necks... (i get cold easily)

oh... a good pair of warm gloves and toe covers for your shoes too!