I just double up my full-length tights, that does the trick. I actually go tights, riding shorts, tights. Sometimes you gotta adjust to get it right, if you know what I'm saying, but it works. I'm up to 4 layers on top when it's 30-ish and then add the 5th as a windbreaker when it gets under 30 (for the road). I'm finding more and more than my upper body protection dictates how warm/cold my hands and feet get, though sub-30 I need foot warmers or my ride is 1:15 and them I'm thinking of hot showers.