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.
laurie
Brand New Orbea Diva | Pink | Specialized Ruby
2005 Trek Madone Road | Pink | Ruby
1998 Trek 5200 Road | Blue | Specialized Jett
???? Litespeed Catalyst Road | Silver | Terry Firefly