I have the Pearl Izumi P.R.O. Lite Softshell gloves and the P.R.O. Lite Liners.
I found that the Mid weight Minus 33 turtle neck base layer and the mid weight balaclava kept me warm with a wind jacket in 9C; adding a light weight wool base layer over top the mid weight was too much. Conversely, the light weight base layer on the legs was too thin, but it mattered very little with the legs; my heat requirements primarily rest in the core and neck, with the temples second, followed by ears and nose and hands and feet and testicles (this was a problem at one point). Legs seem resilient.
Surprisingly, regular cotton socks work well enough with these drafty cycling shoes. No problems there.
The P.R.O. Lite gloves and liners, however, failed. Horribly. My hands stayed warm, but the fingertips above the last knuckle became way too cold. The small pinky finger also froze along the outside.
I believe lobster claw style gloves will effectively fix this; however, I like my finger independence. I want to try a wool glove liner first, instead of these PI PRO Lite liners. In colder weather I may need to move to lobster claw gloves.
Any suggestions on wool (Merino?) liners?