I didn't read the entire thread, so I may be guilty of some redundancy, but my advice is to protect yourself against wind and cold. I've never found that I like a lot of heavy insulaltion, but I do find that buying tights with wind resistant panels, ant a light, but wind resistant jacket work wonders. Most days, when it's not frigid, you can get away with wearing tights under a regular chamois, and putting on a long sleeve long underwear shirt, and regularly short sleeve jersey, and a vest. Toe covers or shoe covers are usually a good idea, and are medium weight wool socks. Gloves...again, wind resistance. Riding in the rain is a whole different story. Anyhow, arm warmers and leg warmers can to the trick on days with cold mornings when you're expecting it to warm up quickly. I tend to ride in wool Jerseys when it gets cold. They are expensive, but awesome. This http://www.notubes.com/Mens-Wool-Jersey-P408C28.aspx , and this http://www.solocc.com/jerseys-and-base-layers/26-quipe-jersey are pretty nice. There re plenty of others out there too. I find wool to be a perfect balance, and it doesn't stink!