Thanks for the suggestions! I don't anticipate riding in temps below 30. For now, I'll try sticking with the wool socks and toe covers. My commute is less than 10 miles and I wouldn't want the warm shoes for the afternoon ride home.

Thanks to all the online sales and deals this week, I got a few more things:
This jacket was 25% off of the sale price yesterday, so only $60: http://media.performancebike.com/ima...ut-quality=100

I ordered a Gore under helmet cap and some split finger gloves from Terry.

Some of the new equipment got a try out this morning. It was warmer this morning than I expected- the prediction was 45 but it was closer to 50 and I was sweating under my backpack in the jacket. I didn't bother with the new gloves, and my head was almost too warm with the Gore hat. As it turns out, I was only on the bike for 15 minutes before my tire had a blow out and was not fixable. My husband rescued me and brought a replacement tire and drove me in to work.
All fixed now but it will be almost 75 this afternoon so I won't need the warm wear.