I like layers & leather, tight next to skin then looser as you go out. If you don't have leather, rain gear blocks wind & traps heat pretty well. I use a neoprene face mask with my shorty helmet, or a face shield with my 3/4 helmet. A chemical hand warmer packet from the sporting good store in the toe of each boot. Geezer gave me a heated Gerbing vest last Feb., so no more layers on top for me. :lero