*nods head on the too many pairs of socks* - if you can't wiggle your toes inside your shoes - your feet are too constricted and it'll coz your feet to get cold. I wear Smart Wools and PI Toe Covers when the temp drops below 30 and so far my feet have been just fine. I haven't had to deal with a wind chill below 6 yet but I'm guessing I would put a pair of bikie socks under my woolies - I have the room! (actually I realized tnx to all you fine young ladies that my riding shoes may be too loose for summer riding - but one issue at a time {re: summer ain't here yet})