Mags, here's something I have found which may assist you in the keeping-the-hons-wurm department:
When out for walkies, I find that my hands are usually cold to start with. After my main body temp has risen and I feel 'warm inside'

, I take my gloves OFF, thereby sending messages to my (admittedly small) brain that "HEY, the hands are cold, send warm blood !" After about 5 mins, I put my gloves back on - and hey, presto, warm hands for the rest of the walk ! Now a medically-related science chappie would be able to tell us
why this works - all I know is that it does !
My brother used to do a similar thing when windsurfing .... on New Year's Day in Newcastle. Go out for 5 mins, do various quick tacks, gybes etc come back in, shove hands under warm/hot water and "it hurts like H*** but works - you have warm hands for the rest of the sail".
Try it on your commute and let me know if (why) it works.
OK, so who gets cold toes as well ?????
