I had cold feet today too, but no expensive shoes.
I took the loooooong way to work. I had a doctor appointment before work in another town. So, 26 miles of riding in sub 20F temps before I even made it to work.
I wore two pair of wool socks, then a plastic bag, then a third pair of wool socks over all of that. I was going to wear my normal shoes, but they wouldn't fit over my socks!
I ended up wearing my sandals. Yep, sandals. My feet stayed warm until I hit a headwind that lasted for a few miles. Even with the plastic bags, that wind was biting right through. Yikes.
Well, I made it to work, and didn't lose any digits, but I'm going to buy some oversize boots!