Wool gloves work better than cotton or inexpensive winter gloves. Wool sweaters warm better than cotton or acrylic sweaters. Wool socks with synthetic wicking liners work better than anything. Layering several garments works better than a single thick garment. Lose garments provide better insulation than tight fitting garments with the exception of high tech garments designed for the sport.
Intermediate skiers stand out because they wear too much clothing.
They probably got very cold once and swore never to let that happen again. They are usually wearing wool everything several layers deep. They are also sweating on the coldest day of the year from the exertion of skiing well. This is when the layering technique becomes handy. Take off layers until you are comfortable.