You can get fleece, flannel, or 100gm Thinsulate lined jeans. 24-35 bucks usually. Old Navy, Cabela's, Sportsman's Guide, Carhartt, LL Bean, Eddie Bauer, Berne, Gap, Grizzly Ikes, Land's End, Prana, Ralph Lauren, etc. Carhartt, Levis, Dickies and Wranglers make them. I've been meaning to try them myself, just never got around to it. I mostly just go for really good gloves and boots, lightweight thermal, sweater, and a leather jacket. And I'll bring along a thin balaclava for the face, just in case I want it. And you know I'll ride any time there is no salt, and sometimes when there is. Although that one 150 mile trip at 34F did chill me to the bone in my legs... It was 70F when I rode back... riding past the snow and still frozen ponds... Carbela's ladie's fleece lined - sold out