Body-Armour makes some great cold weather apparel!

Their "Skull Cap" really keeps my head warm without getting sweatty and fits nicely under my cycling helmut. Their Cold Weather Gear keeps my body warm, whether I wear the Thin Base Layer, Long Sleeve Base Layer, or the Thick Base Layer; they all do a great job in different types of temperatures. They, too, keep me warm without getting sweatty.

Regarding the toes, I picked up a pair of Pearl Izumi All-Weather shoe covers and they help a lot, too, especially when it's wet.

A good cycling rain jacket is helpful, too!

J.