I think I might add to that initially, my hands and cold are almost always initially cold in single digit temps. Doesn't matter what I wear, but when I step out of my semi warm garage into the bitter cold, my body seems to overreact and initially my hands and feet will be mildly cold, loss of feeling, but then it will return once my body adjusts. Not sure if anybody else encounters this but its normal for me. It usually only takes me about 1/2 to 3/4 a mile to warm up and if I'm still cold after that, then I know I didn't dress warm enough.

Another reason you have to learn to dress with experience. I would of never thought I'd be warm enough by just stepping outside for a short time or a 1/4 mile.

Jay