However, if you stand still outside for five to ten minutes and are perfectly comfy, then you are overdressed, because as soon as you start riding your bike, exercising muscles, you will become too hot. Start with a layer closest to your skin that will wick away moisture. I use silk or a synthetic. Then add a layer that will keep you warm and further wick away moisture to the outside. I use wool or a synthetic.
Cold feet are often a biker's biggest complaint for winter riding.
This can be caused by shoes that fit too snugly around the two layers of socks. Either loosen the shoes, or try a looser-fitting pair of shoes. Be careful to secure tightly so the bag does not catch in the chain. Face masks and head covers work well to help keep you warm as well as loose-fitting gloves or mittens that allow you to easily reach the brake levers. And of course, remember to adjust your helmet so it fits properly on whatever you choose to wear under it.