I bought a 300 weight fleece for about $40 from the sierra trading post last winter and it's served me really well. Check the following thread for coupon codes:
link
www.sierratradingpost.com
Your bike/kayak idea reminds me of this trip I read about:
http://www.bikeforest.com/canoe/index.php
Round valley is an excellent place to kayak and is quite gorgeous on a sunny day.
