I just bought a pair of fleece lined leggings at TJ Max that I totally plan to wear over my bike shorts this fall.
Yesterday It was 50 degrees, I had on shorts, tights then my duck cotton knickers that end just below the knee. Wool socks, thin t-shirt under my wool long sleeve jersey, rain/wind jacket. thin headband and long fingered gloves. So totally a mix of biking and "non biking" attire. Of course, I could care less about how I look as long as I am comfortable