Thermal everything for me is;

Head
I have a Pearl Izumi lycra beanie that keeps my head fairly warm but most importantly, the ears close to my head and warm. My head isn;t cold but my face was frozen in a grimace for about an hour today

Upper body
I wear a wicking layer usually a coolmax tee but my favorite is a Nike ACG wicking turtle neck
I wear a cotton ski turtle neck on cool days but add a fleece pullover or a sweater on cold mornings
I wear a wind shell over top.
I've been wearing leather winter gloves as I only have fingerless cycling gloves.
My ski gloves are warm but too bulky to “feel” the levers.

Lower body
I wear riding shorts/bibs under a pair of sweat pants. Sometime I will wear a rain shell if it is really cold out to keep the wind from blowing right through.
I wear DeFeet Genius wool cycling socks when it is cold. I do not have booties for my feet and that is why I couldn’t feel my toes when I got in today. Do they make a big difference?

What changes to my clothing would you recommend?

T.J.