Look for someplace like this:
For the trip to BikeMasters on Saturday for the Cranksgiving celebration(congratulations again to all who participated in that joyous event), I wore a wool baselayer and a wool loose shirt. Wool keeps you plenty warm while standing still, but seems to have a less tight weave than technical fabrics, so wind cuts through too easy. My tummy was getting pretty chilly heading into the wind on Saturday. I found a plastic bag along the Keystone trail and tucked it in between the 2 layers.
The amount of warmth from doing this simple act was amazing. Now I see why the pro peloton nabs newspapers from the sidelines before descending from the top of a mountain pass.
So from now on, I will always have a plastic bag with me on any cool weather ride.