In lower temps (below 35) I usually have my Underarmours as the first layer, then thick jeans and some "warm up" style pants over that. Up top, it's Underarmour, long-sleeve shirt, light jacket or hoodie, my FirstGear armored jacket, then a storm jacket that repels wind and water over that. For my 3/4 helmet, I have a detachable jaw piece that snaps right into it and covers my chin and face up to my eyes. Of course, I have a pair of heavy Fly cold weather gloves with silk liners underneath. I usually stay nice and warm for about 45 minutes of riding time, which is more than enough to get me where I need to go in the surrounding area.