Koyote

I rode this past Sunday - it was 36 degrees and raining. I think you need to HTFU.

Also, you haven't told us what you are wearing. What layers, what are they made of, do you have a vest or jacket, how thick is the cap, shorts or tights, etc...?

But start with the obvious: if your hands are cold, buy thicker gloves or use glove liners - wool is best, but in a pinch you can use those cheapie knit gloves they sell near the checkstand in any decent hardware store or even Wal-Mart. If your feet are cold, buy shoe covers. etc.