Layer it on. I always use more layers when faced with cold conditions (I hope some come soon), the new underarmour stuff is nice but worth the investment? I usually always have chamious shirt, turtleneck, pullover, under hunting coat. If you have to walk in don't overdoo it so you do not start a sweat fest. Remember you can always take stuff off if it is too much but if it is not there to put on you suffer. Good luck.