Boston cold; riding in the 20's. 26 mile r/t commute, layer wool and polypro under Pearl Izimu windblock shell with those big old Lobster mitts, winblock beanie and neck gaiter, heavy winter tights. Heavy wool socks with a pair of LL Bean "Snow Sneakers" have solved the cold feet problem. It isn't pretty, but it keeps me riding Wool has the added advantage of not getting smelly... I can wear these jerseys 2 or 3 times between washing (now that's certainly TMI

I miss Bay Area winters, I was out there for 15 years