Thanks, BobbyG. I have a no-cotton-socks rule for myself since foot sweat tends to encourage fungus. Other than that, doing stuff like you do would probably work for me. But I've tried, and the length of my ride seems to matter a lot. Somehow I've solved the cold feet problem but not the hands. Fortunately for me, my commute is now short, and even if it is very uncomfortable, it isn't uncomfortable for long. Being out in the cold for a long time can get very painful. I remember a few years ago riding next to the river with such pain in my feet that I was grunting and hollering while moving along. And as you know, it's very humid here which seems to accentuate the cold feelings. I've been to Colorado a few times, and it's shockingly dry there.