xcr440-
I think you would really like how the synthetics work.
Do some shopping around (Walmart or other big stores that have an outdoor dept), you can get the base layer for probably less than $20 and a fleece mid layer for $30-40. Just make sure that there is no cotton in the materials at all. Best to just go 100% synthetic. It's not as inexpensive as a t-shirt and/or cotton sweatshirt, but they will last you many seasons. Plus it is just SO nice to be comfortable all the time while riding- no matter if you are riding hard or just kicking back.
You still will sweat in the harder riding times and the synthetics may also get damp, but will dry in 5-10 minutes and like I said, will not rob your body of heat. Just remember this...In the winter, cotton kills.
Maybe consider this way.<font color="ff0000">•</font><font color="ff0000">•</font><font color="ff0000">•</font><font color="ff0000">•</font><font color="ff0000">•</font>'s a day's worth of gas for the sled to get many, many years of comfortable riding.
-John