I have thrown sweatpants or tights over biking shorts and it has been fine. As for on top, to keep from spending a lot of money I usually wear my short sleeve shirts and throw on a jacket of fleece. Many of my clothing is from running and I just use that stuff. Target sells great workout gear at a reasonable price. I have invested in a good jacket and a heavier top just for cycling. It is good to keep an eye out for sales.