Lobster gloves (PI Amfib ones) are my personal cure for cold hands. When it's really cold, I pop a chemical hand warmer in each glove. Works like a charm.

I'm still trying to find the solution to keeping my feet decently warm. I have wool socks, high-quality booties/shoe covers, etc. I think I'm going to purchase those Gore-Tex socks that TE is selling, just to see if they help. I've got ruby slippers (red sidi doms) in a whole size too large so I can layer. Last winter, I used chemical foot warmers, so when it gets below freezing, I suppose I'll have to rely on those again.

Have you thought about riding loops at the Nat'l Aboretum (I know I spelled that wrong!). It's on NY Ave, heading east from the city. There are hills there and this time of year, low traffic.