my solution is to wear wool socks and the put a plastic bag, like you get at the grocery store to put your apples in, on each foot before I put my shoe on. I also have internal toe warmers made out of plastic bags. My winter shoes are just plain shimano mtb shoes but then it only gets down into the 40's or lower for a couple of rides a year so a bigger investment isn't really all that important. I also have shoe covers for the rain, but have yet to use them as I usually get caught out half way home. My wool socks and plastic bags are my saving vice.