Originally Posted by Drizzt
Being a poor HS student, I found that layers are they key. I found one of the most important layers is a long sleeve Under Armour shirt (the tight kind). Then various layers of light cold weather gear depending on how cold. Then a riding jacket, then the second most important, the windbreaker. I found without either the windbreaker or Under Armour I was freezing no matter how many other layers I had. The windbreaker keeps the cold out, Under Armour keeps the heat in. Same concept with gloves, I had some of those small cotton gloves, as well as big poofy winter gloves.
I agree with Drizzt, long sleeve UA type moisture wicking base layer, wind breaker outer layer and then layer as needed in between. Will let you ride down in the low 30's and even the 20's for a while.