Bibs or a vest, or both if it's cold enough and I'm trying to dress light. And loose if you're sitting, a natural lean forward compresses the insulation at your lower back. You can live with cold extremities but when you feel the cold creep into the kidney area you know you're loosing core heat and will have to do something about it sooner than later. For really cold I have down bibbers and parka that's like wearing a sleeping bag. Ten below and you can't move much without perspiring all zipped up.
I know the cold feet thing, always had them. My boots are a step more insulated than everyone else's just to keep even. Nothing else works.
