Working on the principle that what keeps me warm should keep you warm. Reading your post "getting cold after 2 hrs, I would presume your base layer, layer next to your skin must be cotton, which retains your sweat, when the wind then hits you your body temperature drops. I always wear a polyester base, Altura do a relative cheap T-shirt, go for the long sleeves one. This is known as a wicking layer, its purpose to draw your sweat from the body and spreads it over the T-shirt to evaporate the sweat. This keeps your skin dry. On the top of that a fleece to insulate the body heat and a cycling jacket is essential as this will be the wind breaker and it will also be breathable allowing the moisture to pass the body allowing sweat to dry out, so the combination of wind & sweat does not drop your core temperature. On the legs I wear my waterproof as they cut the wind and being breathable do not let the moisture build up. 70% of body heat is lost through the head, so I wear a balaclava, drop it down in the real cold, or fold it up as a cap when not so cold. Gloves also are essential, if your hands feet and head is warm you can cope with the rest.
If you knew all this then sorry for this idle chit chat and if you only wanted to know what thermal wear for girls then I can not help as I never got cold enough to wear thermals using the above procedure.
There are more opnions on this forum, here is just one link, hopefully after reading them you will be warm as toast on a freezing day. Tell us what worked for you.