madame kitty, if you ride in cold often, I would highly recommend MECs rain booties, these ones:
I have had a pair for ages and ages, over 10 years and maybe 15--I use them obviously for rain, but I find I actually use them more for cold weather riding and they are great for this. With wool socks in my bike shoes and keeping teh shoes loose, plus rain booties (plus of course good leg and everything else layers and shells) I am very comfortable around 0 or below somewhat. Today I was out for a short time and it was -8 or something, so put on top of my shoes some fleece neckups/tubes we have kicking around, then put the booties on, worked well as a simple extra insulation layer under them.
In any case, for any biker these booties are a great buy, especially for being able to use them for all kinds of conditions, wet or dry.
My wife got me some Sporthill stuff a few years ago, its great for wind blocking isnt it?(not sure if my pants and top are the same as yours, but the windstopping ability of it is really impressive)