Thanks all for your reply. I am finding what works for me trial and error. I bought some expensive stuff; the amphib tights are great, I had absolutely no leg coldness, nor was I all scrunched up in them.

Still can't seem to get it right even with winstopper base jersey and fleece vest, still am freezing in the arms. Hands okay, even sweating but good in Swix lobster gloves. Also head's fine in fleece hat.

I seem to have better feet situation with heavy wool socks, I have some MTB shoes that can accomodate, but I saw in Nashbar catalog that they have WindPro socks. Might try these.

I'm starting to dig it tho, seems like you're being a naughty bad-***, riding WHEN ITS SO SO COLD! Very liberating.

Joan