I found 2 pair of Nike windpants at the local thrift store. I do need to wear a reflective ankle band to keep them out of the chain, but one more reflector is a good thing. They were virtually unworn and quite inexpensive. I wear a pair of warm tights under them. A wool sweater under a decent shell (also found at a thrift store) keeps me dry. Even if the rain penetrates the shell, wool keeps you dry and comfortable. Now is a good time to shop sierratradingpost.com for things like shells and tights.

Deb