I am sort of in the same shape you are. I wear men's Champion C9 Duo Dri long sleeve shirts as a base layer. They are under $20 at Target and have different fits/styles. I do like the fit of Terry jerseys and bottoms, but their t-shirts run too small so I haven't ventured there. Besides, Terry apparel is pricey so I look for deals on ebay and other internet sites. My wind shell and my thermal jacket are both men's stlyes (Canari and LG respectively). Good luck in your search for the right fit and warmth for winter riding. There will be a lot of trial and error before you find what is perfect for you.
P2
Penny Pinson