Sometimes, even just a wind-resistant vest makes a tremendous difference. Mountain Hardwear's Windstopper Vest ($115; www.mountainhardwear.com) is just about 100 percent windproof, while still very breathable. And its light fleece material is surprisingly warm. Vests are perhaps the most useful and underrated garments around; I wear them constantly when biking, hiking, or putzing around outside on those not-so-cold days. Keep the torso warm, and the arms, legs, and head will follow.
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