pc,

i once read that pros say to always keep your knees warm because they have no insulation at all. in the coldest part of (our) winter i wear long sleeve jersey, with base layer under and vest over, full tights over regular shorts, toe covers on my shoes, long gloves, and a head band looking thing that i cover my ears and chin with. i dont like balaclavas, but DH always wears one.

my toes and fingers are ALWAYS freezing, but i figure there's nothing you can do about it.

when it's not too cold i just do the arm and leg warmer thing so i can shed layers as it warms up.