I rode all through last winter and I used booties and a the Lake cycling MX Firepalm (http://www.lakecycling.com). The gloves have a special pocket to put a charcoal activated heat pack into it. It was AWESOME when it got down into the below freezing temps. I also put the Grabber toe warmers on my socks and they were also AWESOME. (http://www.warmers.com) I purchased a starter kit from warmers.com and that should last well into this winter if not the whole winter.

Basically, I used a polypropolene balaclava for my head and ears along with the gloves, booties and charcoal warmers for hands and feet and I was totally comfortable the whole winter...

This is a bit much....but, I would put the charcoal warmers in zip lock baggies and then into a tupperware container after each ride. That way I got about 2-3 rides out of the air activated heat packs (rather than using new ones each time).....

Hope this helps!

BTW...I too have 20 mile each way (1 hour 10 minute) commute...and I agree with a previous poster...Driving 2-3 days a week is better than driving EVERY day....and I am so stoked the night before I am going to ride....Two years ago, I had a bout of "burnout" and it majorly sucks! Life just isn't the same if you don't have these little excursions to look forward to!