LadyCRides,
For your feet there are shoe covers of varying warmth ratings available. They slip on over your shoes and if you use any type of cleat the covers have cutouts on the bottom to allow the cleat to stick through. For your hands there are many, many gloves available from the open finger top riding gloves to lobster mitts and all kinds in between. Scan back through this thread from the beginning for some glove recommendations.

I live and ride in NW Florida so I don't need really heavy gloves like the lobster mitts. In winter time I have some of Under Armour's Cold Gear liner gloves with the full fingers and palm pads similar to cycling gloves and they actually advertise at their site that the soft panel on the back below the thumb as a nose wiping panel (no I don't do that one, I always carry folded up paper towels in my jersey pockets.) They have lighter and heavier weight gloves on their site, I buy direct from them as they usually have sales on various things and offer free shipping. You can find Under Armour at almost any sporting goods store like Academy, Dick's Sporting Goods, Sports Authority, etc. Not bike specific but the gloves, balaklava and mock turtle LS Cold Gear shirt do the trick for me along with my bib tights, regulat tights, shorts and LS jersey, layered as necessary. I hope this helps you out, best of luck with getting your comfort level dialed in and enjoying your riding.

BTW, welcome to 50+ and our little corner of BF.

Bill