Wow! I go to the grocery store and wash the car and there is a blizzard of wonderful replies. Thank you ALL!
Unlike, it seems, most people here, I am not a cyclist and so do not have any cycling clothes. I do jog (or run slooowly) but mostly in summer and so in a t-shirt and compression shorts.
I do have some CWX tights that could work. and fleece undershorts, but not sure I need those as those parts on that guy who froze his ...... are different from mine.
There are terrific suggestions, and I am going to have fun this summer finding what I have that will work and what needs to be filled in.
I did hear that one should not wear wool socks for XC and I did find on my last outing that my alpine ski socks gave me a chafe. If not wool, then what?