wal-mart should have some type of thermal underwear for next to your skin. stay away from cottons. next layer with some fleece. by 2 sizes bigger to give you loft. if you get camo you can always take your shell/outer layer off and just wear the camo fleece and not be worried about sticking out. the shell/outer garment should be waterproof not because of the rain so much but because of the wind. if the wind cuts through to your bottom layer or your skin your screwed. i bought x-static under were and some fleece(middle layer)this year from wal-fart and it ran me under 100 bucks easy. layering is the key though. buying those thick, insulatedone piece tops and if your to hot or start to sweat on the walk to the stand you have to take off 80% of your insulation. layering offers you to remove small amounts of insulation and give you more flexibility. good luck and happy hunting.