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I figure I'll need upper and lower body thermals, maybe a pair of gloves, and maybe shoe covers? Problem is I have no idea what brands/options are worth a damn vs. what's garbage.
Does "you get what you pay for" and/or "buy once, cry once" still apply?
"You get what you pay for" is sliding scale that is greatly exaggerated in cycling. The most expensive stuff is maybe marginally better than the middle of the road stuff.
Layers work well in Texas. Start with a base layer.I usually go for the sleeveless kind that I wear under a jersey. I have a couple of cheap ones from Amazon that work fine.
Then use arm warmers and full fingered gloves. Under 45 degrees, I want thicker gloves.
Arm warmers come in different thicknesses, and they are the first things to get thrashed if you fall, so I wouldn't spend a lot there. I have a couple of pair, and the fleece lined ones are super warm. And you can roll them down or put them in your pocket when the sun warms the planet.
I have some toe covers, not full shoe covers when it's below 50. It has to be really cold for the full shoe cover to make an appearance.
Long, thicker socks as well.
I hardly ever wear full length bibs or leg warmers. I have some knee warmers that are great and will get me well in the 30's.
For me, hands, feet, and ears are what ruin my cold rides, so I also wear a headband over ears, or something like that. If it's really cold, will take a neck gaiter that I am able to pull up over my chin.
Starting out, but some cheap stuff to see what you like, and then determine what you want to spend money on.
Or skip al of that, and buy a Kickr Bike !