Squirrel, everything you said could have been exactly written by me!!

But even with all those same layers, I had to cut my normal 21 mile ride to 12 miles yesterday at 23 degreesF, due to my fingers getting too painfully cold despite 3 pairs of gloves on. Had to get yet ANOTHER giant pair of supposedly windproof gloves...we'll see. Wore TWO balaclavas, and THREE pairs of tights! I think the wind is what does it with the fingers and toes thing- the rest of me has really good thin winter gear layers and I'm warm enough elsewhere.