Liner,

As for windblocking, GoreTex does a great job of that. I live in Seattle so GoreTex is pretty much a necessity. I discovered that even when it was not raining the GoreTex jacket was still the thing to wear because it blocked the chilling wind and was pretty breathable so I didn't get soaked with sweat.

If you don't really have a need for GoreTex I can also recommend Craft S3 undershirts. I don't think they make a women's version of this so I buy the men's small - however they do run snug. This tee is amazing - blocks wind entirely but is thin enough that you can layer over it easily. It is pricey, however - about $50.

My feet and hands suffer in the cold. Lobster gloves are the only things that keep me warm. As for feet, I've finally given up on all the combinations of socks, baggies, bigger shoes, etc. I bought a pair of Sidi's - all Lorica (no mesh) and wear Woolie Boolies, or Craft socks and Mycoal Toe Warmers.

Here's some links:

Craft socks and S3

Woolie Boolies
Toe Warmers