Your jersey needs to wick. Arm warmers are the Goddess's gift to cycling. I live very close to a wash, so my house is always 10 degrees colder than the rest of the city. I have to be careful to not overdress because 10 miles into the ride, I'm miserable.

I ordered a face cream with an SPF from Kiehl's that is supposed to reduce wind chill. I will report when I get it.