Great thanks for the info girls!

Veronica: Good idea. My only problem is that I have VERY small arms (diameter not length), I still have to find a model that fits (or more push-ups to do... I'm working on the push ups right now but improvement is slow).

Also: can you trace out the model name of your jacket?

SadieKate: I hadn't thought of wearing a turtleneck under my jerseys (just warmer layers over it), I'll try exactly that this week. I may go for the jacket/vest, I know there will be enough cool riding days to justify it around here... and eventually I could even wear it for snowshoeing.

Thanks ladies!