Originally Posted by omnivox42
...I need to keep the air from chilling me until my body warms up...
Leg warmers can be removed when you "warm up"; tights you're stuck with, unless it is a tight that fits over all, but if it has stirrups and straps it still is inconvenient to remove. For our weather, toe covers and leg warmers most of the winter, and a light over-pant with zippered ankle closures for the very cold (at least as cold as it gets here).
A jacket is overkill; a base layer, summer weight long sleeve jersey, plus medium weight full length zipper jersey with wind blocker on the front and outer arms will serve you better the majority of the time. A wind blocker jersey can be rolled up and stowed in a jersey pocket; jackets are bulky.
Most body heat is lost through the head. Head covering will get you toasty quick.