I went for a nice ride today. It was overcast and a tiny bit foggy and damp (low 50s), so this was my first time trying to dress more warmly for a ride. I got a great deal on pair of Gore Sportive tights so I wore that over my regular bike shorts. I wasn't sure if it would be warm enough and since I was stopping over at other places after my ride, I wore a light pair of athletic pants over this.

On the top I had put on my tennis/running clothes, so they are technical fabrics but not bike-specific. Maybe it is overkill to some, but I had two light layers on and a running jacket on. None of these were windproof but I figured I'd try it out before buying more clothes.

Also had a pair of thin full-fingered gloves and a Pearl Izumi headband for my ears. I'm happy to say that this worked out great for me! There was quite a bit of wind and it was drizzly, but I never felt cold once I got going on my bike. The cycling tights were great - never felt any wind chilling my legs. My feet were cold though, so I'll be taking this thread's recommendations under consideration.

I think my lifesaver was probably the gloves and especially the headband. My ears were freezing and the wind was howling past me last time, but this time I was thrilled at how comfortable I was during the entire ride.

Bottom line is, if you don't already have them...I recommend a headband to cover your ears! What a difference it makes.