tee shirt, long sleeve shirt, sweater, Jeans, Hiking boots with hard toes (for buggy protection not kicking lol), wool socks, hat, gloves, hand warmers, and my winter coat. Layering works because after the first stop I am hot. I also hold a huge cup of coffee in line but always finish before going in the first store. I just put my debit card, cc, and DL in my jeans pocket clip my keys to my belt and keep my cell in my coat pocket.