Here are a few things I've learned biking in the cold:

1. Wool is your friend. Big-time. Wool socks, wool glove liners, wool base layer. Wool is the only fabric that can keep you warm after it gets wet. I don't know how much you sweat, but I sweat even when it's cold, so my base layers will get wet. When it's below freezing, I pretty much have to put on a wool base layer.

2. If you want to keep your hands and feet warm, don't skimp on keeping your arms and legs warm. If you get too warm, vent your core - open your front jacket zipper or remove layers from your head. Don't cool off your arms or legs. You want to keep the blood flowing into your hands and feet as warm as possible.

3. You are going to get cold if you stop. Your body is generating the heat equivalent of a handful of light bulbs when you're cycling. That heat generation stops for the most part when you stop cycling. So, if you're comfortable while cycling, you'll be cold when still. If you want to be comfortable while still, you're going to cook yourself when cycling.