thin wool/poly cap under your helmet can make a BIG difference on staying warm as can cheap wool gloves. Plastic sandwich bags over half of your feet or plastic bread bags over all of your foot can make a big difference. Wearing nytrile gloves under regular gloves may be icky but if you're cold it can help a lot. Showers Pass Event jacket is the best purchase for rain gear I"ve ever made. For cold wet rain goretex socks and rain pants is a dynamite combo.