Merino wool ninja suit, wool shirt mid layer or a micro fleece mid layer, wool jacket. And if it's windy I have a goretex shell jacket that I rarely wear.
Bottoms is usuall just base layer and uninsulated 15k pants. Sometimes I'll rock fleece wader pants if it's really cold (-0).
I'd ditch the insulated jacked for a good wool layer and a good shell jacked , all that insulation traps moisture when your sweating while riding and makes you cold. Wool breaths better and dries better and is actually still pretty warm while slightly damp.
Goretex is great when it's windy.
Avoid cotton like the plague.
Last edited by C.B.; 01-14-2013 at 08:04 PM.