when I was a all weather rider, if it was windy or cold I wore leggings with my bike shorts and a gortex windbreaker that had armpit vents, and a PVC+Nylon rain suit with rain pants if it was raining hard. I ran fenders on my road and mtn bikes and commuted with one or another year around.
in the 70s, those leggings were black wool. I'm sure they have something microfleece now.
Experience is what you get when you don't get what you want.