so, skierchickie, what are you doing/wearing instead?
Well, I'm not sure yet. Late in the season I got a Craft long underwear top (I've been wearing Smartwool for a few years), and went back to my old (old old old old) coolmax bras and my not as old Patagonia one. Not great, but better, actually. I may have to pick up a Craft bra before next winter.

I love the feel of the wool stuff, but it just isn't working for me in those conditions. And for me, it does seem as bad as cotton-cold. Although I haven't really worn cotton for exercising in many years. Now the Smartwool stuff I have doesn't seem to get as wet as the bra, except right where it is on top of it.

I think my problem is that it is just soaking wet after a while, and it really holds it. I thought my Patagonia one was bad that way, but this puts it to shame.