I'm putting together my first winter cycling wardrobe on a budget and need some advice as to what to add. I currently have Thinsolate glove liners, gloves rated to 40 degrees, PI wind breaker jacket, PI regular weight long sleeve jersey, men's knee warmers that go to my ankles and a neoprene headband to cover my ears. What additional wardrobe items would you recommend that I get for riding in temps down to 30 degrees?

BTW, I get hot in my middle section while my arms stay cool so I'm not a vest person. I also have a pair of 50 cotton/50 poly narrow leg fleece sweat pants that I could wear over my cycling shorts/leg warmers but not sure if the fabric will leave me damp and cold.

Thanks in advance for your advice and help. Carmen