Bass Pro Shops usually have flannel lined and fleece lined jeans on sale (their brand) for about $25 in the fall. I haven't checked this year, but I usually get them for work, (yes, I don't like thermals), but for the $$ they work well. They aren't carhartts, but they are pretty decent. They are good for riding too. They allow me to ride to work a bit earlier in the year, and a little bit later than I normally would. I do wear chaps too though.