Would rather be riding
Join Date: Sep 2007
Location: Mountain View, CA, USA
I think your first purchase should be an electric vest. With your core warm your existing gear will probably be warm enough, and it's easy to add long underwear and a thin fleece under pretty much any jacket/pants set for extra warmth. Toss in some winter gloves.
I also live in the bay area, and yeah like last weekend it's not unusual to see 90's inland and 50's at the coast on the same day. I looked around and ended up springing for a BMW Comfort Shell jacket and pants -- it replaced all of my other riding gear. It's expensive, but actually works as claimed, has good armor, and it's really nice to just have one set of gear for any trip. Not even a liner to keep track of!