yikes, if your toes are already going cold on ya in september, you're gonna have real problems come january.
for me, my toes don't get uncomfortably cold unless the temps are in the 20s or lower, and i too use chemical warmers to keep my toes toasty when it's freezing out. no amount of layering or warm shoes or shoe covers or anything else seemed to work for me. an artificial heat source is the only thing that i've found that works reliably.