I either wear a merino t shirt, or long sleeve depending on temps. If needed I throw on a light windbreaker like a Patagonia Houdini. I always wear shorts, my legs don’t get cold. You can find all of those items real cheap on eBay, that’s where I get mine
Wait.. you stop running when it’s 45 and won’t ride your bike when it’s windy? No article of clothing is going to get you over that mental hump unfortunately