Not like it really gets that cold here where I am in Texas, but riding in sub 50's temps does kinda bite. Looking at getting some leg, arm warmers, full finger gloves and a skull cap. Other then that, my normal riding gear is just shorts and a cotton t-shirt. I'm not all into the riding shorts/jersey thing. Tried a pair of bike shorts and just could not get situated in them. Any other ideas as to what I should get?