Thanks to your suggestions I bought two undergarments, a very thin (no bra) tank made my Patagonia in capalene and on top of that a Craft sleeveless undershirt.....I wear both now and put my jersey on top and VOILA I am dry and warm on my rides. Initially I tried it with the craft and no bra and the jersey (guy at bike shop swore it would work perfectly) but I still got sweaty and wet...so added the third lightweight layer and now the wicking seems perfect. Cold days I wear my vest on top of all that, arm warmers with fleece linings, wool socks and I am good to go! OF course I am riding in southern and northern california so we are wimpy in terms of COLD weather anyway....but sweating is the issue...and this threesome solved the problem.

thanks for the ideas. May you all be dry, warm and happy riding.

Today we rode 40+ miles along the ocean from Delmar to Oceanside and onto a wonderful designated bike path for another 15 miles along a beautiful river. Never knew it even existed before running into some hot cyclists who were on their way there too. The sun was shining, the wind was light and it's DECEMBER. How lucky are we???