Originally Posted by
merlinextraligh
Full neoprene shoe covers should keep your feet acceptably warm in the 20's.
One issue you may be having is fit. If the wool socks are thicker than your usual cycling socks, you may be making yourself colder by limiting circulation. So a thinner sock can actually keep your feet warmer.
Another option is a neoprene sock. They're rather clammy but they'll keep your feet warm, and are not overly thick. If your feet are too cold with neoprene socks, and a neoprene over boot, it's too cold to ride outside.
This is good solid advise. For hands, layering also helps. I use some cross gloves and wear some wool gloves over that. I add the heated packs also.