go to your local salvation army store. there are always all sorts of fleeces and windbreakers there. a balaclava, 2 fleeces, a windbreaker, sweatpants, mittens and neoprene booties will keep you toastie down into the teens at least. it really is amazing how much heat you generate while pedaling your arse off. there is absolutely no reason to drop $$$$$$ on cycle specific cold weather gear.