I am going to try and ride this afternoon and have hopes my neck will hang in there It will be close to freezing however and I don't have winter cycling boots/shoes.

I am going to try my usual bike shoes with wool socks, a plastic bag, chemical warmers and toe covers. Can I put the chemical toe warmers on the plastic, assuming there is room for all of this in my shoes? I will put them on the top of my feet. I understand that the chemical warmers need some air to work well so I am guessing they shouldn't go under the plastic wrapper...

I don't have actual shoe covers yet though I've my eye on a pair that would work for the mtb shoes I wear on the road once I have the money.