Thanks Toby. The tough part is that when you’re outside you don’t know that some part of your body is getting too cold. Your hands will tell you in that you can’t use them but the rest of the body can stay pretty silent in that regard.
Something that I learned long ago for the hands is to wear lobster claw gloves which are gloves that are essentially halfway between mittens and regular gloves. Isolating each finger in regular gloves prohibits the fingers from helping to warm each other. Mittens remove too much dexterity. The lobster claw gloves seem to be the happy in-between.