I felt I had a pretty good handle on staying warm while running in the cold, but I’ve not got it down while riding the bike. Too hot, too cold, too drafty, too sweaty, cold fingers, cold toes, etc. And it’s not even that cold yet!
The toes are a repeat problem. I’ve yet to keep them warm a complete ride. I’ve tried different shoe and sock combinations with little success but I will keep on trying.