Welcome mama! I would also suggest some arm warmers, knee warmers and a vest....or jacket with zip-off sleeves like Trek suggested. They are relatively inexpensive and are great for nippy mornings. You can turn a short sleeve jersey and bike shorts into a long sleeve jersey and capris in a heartbeat and when it warms up, you can roll them up and pack them away in a jersey pocket for the remainder of the ride. I bought a neon yellow vest a couple years ago on clearance that I use all the time....even when I run in the winter. Some jackets have zip-off sleeves AND they have a self-storing pocket that you can strap around your waist when you arent' using it.