As stated above all great ideas, advent of wicking socks and baselayers (Merino wool, ploypro) etc all help! However age, health, Meds, circulation and old injuries all play roles in the ability to keep warm! I injured my left knuckle/index finger this spring, now my left index finger gets colder when the rest of my fingers do not I think it is do to some nerve issues from the injury! Lets face it some times at least here in Michigan it is fricking cold enough that nothing will keep the chill out, no matter how much clothing or what type I put on, those days I stay home! LOL getting old or wiser I guess!