If the sun is out I'll do a cold weather ride - agree with other posts that hands/feet/ears get cold first an no matter how hard you ride they ain't getting warm .

I have PI toe booties and it's amazing how warm they keep your toes. Then I wear bike shorts, leg warmers and insulated tights over that. I have a pair of cheap insulated gloves from Performance Cycling that are so darn warm I can only wear them if the temp is below 50. But you definitely need full fingered gloves that will keep out wind.