B*gger bib knickers – when it's chilly just go for bib longs and have done with it – peel the whole lot off and yer legs are pretty damn clean – which is handy if you've got to get in a car without a hose-down.
Forget the baggies, waste of time IMO.
(Then again, I R XC jeyboy..)
Roubaix-stylee top (or thermal top under s/s jersey) with roubaix bib longs (Lusso stuff's good) normally do me for most UK weather from about 15 degrees down to freezing, and I don't bother with a jacket unless it's chucking it down). Any warmer than that and lycra tights with bib shorts (or shorts+braces) helps keep my rubbishy knees a little warmer – and also have the dirt peel-off advantage 🙂
I *have* tried on bib knickers once – but found the elastic sufficiently tight that I felt like my calves were gonna drop off/explode – wouldn't have helped the varicose veins much either 😮 But I'm sure they're not all like that.