The Great British Weather

Pretty much, your blood travel from your heart to your feet, if not covered, the blood will get cool down by the time it reach your feet (echoing tommy).

And I do experience those a lots as I often ride home in the middle of the night, leather glove plus thick soft-shell jacket kept my hand toasty, even if the first few miles was freezing (on the hand that is).

I also have some thick trouser which helped keep my feet warm (combine with wooly sock and boots).
you talk the biggest load of shit! FACT.

how about apart from your 'own' experiences, how about a bit of textbook physiology to back it up, not hearsay.