Women need more insulation. At least that’s Janet Freeman’s opinion and why she developed her own line of long underwear by Betty Rides. The set-up is fairly simple with one top and one bottom available in either black or white. The Long Jane Top and Long Jane Bottom (suggested retail: $40) are made of 100 weight polar fleece with Power Stretch built in for extra-comfy mobility. The Long Janes were introduced last year but are improved this year with double-sided fleece (doesn’t pill as bad as one-sided), flat lock seams which don’t chafe, and some flashy metallic Lycra binding at neck and cuffs.