I second the person who mentioned knickers. I have a pr of PI symphony knickers and they are possibly my favorite cycling garment. In the spring and fall, I can wear them with regular socks or if it's pretty chilly, I wear black knee socks (the "active variety" from REI) and it keeps me warm and doesn't look too silly since it's all black. I have some tights to wear over my shorts but they are for really cold weather. The whole knee socks under knickers covers me to about 40/45 deg. And if it does get pretty warm, they're somehow not much hotter than shorts. Love 'em!