I wear thermals on my legs, then jeans and that gets me down to pretty dang cold on the bottom, then rain pants or snow pants as appropriate. I've got some real riding pants on the list (xmas baby?) which will become the new top layer on the legs. Up top, I wear t-shirt (always), then layer up with flannel, and maybe fleece if its really cold, then my leather with thinsulate liner. I put on really thin glove liners under my leather gloves and that gets me dang cold too. Then I'll throw on some waterproof mitten shells over that and again that gets me petty dang cold. hopefully though some new gloves will show up here soon too. Finally, I wear a stretchy neck-tube thing I've had for years. It thin enough to go under my helmet if I want, but mostly I put it around my neck and tuck it into my jacket. That thing, I think does the most to ward off the cold...