What Mark has posted all makes sense, specially for those just getting into biking and not wanting to fork out for electric clothing when most of the other layers can be used off the bike. Would add one other layer though (which might remove one other layer), one piece rain suit.
Its all very well getting dressed properly, but one down-pour at the wrong moment will cause the soggy jacket/trousers to wick heat away from body even quicker. Another upside of the oversuit is it would keep the crap off the gear and so make it last just that little bit longer.
Oh and for the record, been using a Widder for a few years now and the Ghost has heated grips as well
