To add in here, but not attempting derail, it's only my feet.
Winter gear for me for real low temps (down to about -2 to -3), I don't tend to go out when it's lower than that due to the ice risk
top down
- fleece-lined skullcap under helmet, covers ears
- fleece lined snood around neck/mouth
- merino baselayer, softshell with fleecy inside, waterproof if required
- silk liner gloves and either thermal gloves or lobster mitts
- roubaix lined tights, one pair does have winstopper on the knees/lower legs
- silk liner socks, merino socks, winter boots
The rest of my body is absolutely toasty, and in particular my hands, to the point of sweatiness.
It's only ever been my feet that suffer, whether on upright or recumbent