In my very long experience I find it's the 'dry' bit that's the killer.
Three top layers today and my 'special' gloves, you know the ones that DO keep you warm but render operating any controls impossible,
Overshoes in wifes car 
and winter boots have the wrong cleats on, double
Might even take a camera phone with me today as I'll be going so slow.
Say hello if you see what appears to be a lycra clad Sumo wrestler out today.
