I’ve got all sorts of leg attire – normal shorts, bib shorts, 3/4 bib shorts and leggings.
I find that I’ve tended to wear my DHB 3/4 bib shorts as the weather gets colder and it’s enough. Feels a bit chilly to start but you soon get warm.
I do wear leggings over normal bib shorts as well but it’s often to make it easier to remove all the muddy stuff before I go inside the house and it’s often too warm unless it’s very cold.
When it’s approaching zero it’s bib shorts + leggings. I’m going to get some Roubaix bib shorts at some point.
If it’s chucking it down I sometimes wear some waterproof baggies to keep the water off.