Noob clothing question..

Hi,

Currently taking lessons and getting on all right, all booked up to go out
first week of Feb so been looking out at jackets/pants.

My main question is down to warmth and been looking through the Bonfire,
Burton gear etc it talks about waterproof and breathability but not how warm
it is, on say a jacket in the RRP of £150-£200 what would you wear beneath
it? Just a fleece or more and the pants, do you wear anything beneath them?

Steve