I think perhaps my hands as they are the one thing that are rarely covered.
Even when I walk the dogs in the morning when it is very cold, and wear gloves with no finger tips (!), my hands are still freezing by the time I get back.
Are they called fingerless gloves?
My feet and legs also get cold but possibly not as bad as hands.
Actually at night my hands are not cold for some reason - last night Perth had one of the colest days during the day and at night with air cond on at 23°, my legs and especially feet were freezing despite socks, another pair of socks and lined with fur tights!
SInce moving to a colder area, I have found that the base of my skull absolutely kills me if it is cold. At night I am swaddled in the blankets and during the day I am wearing a scarf. My hands always used to be the worst but the fingerless gloves definitely help. I have learned to wait until later in the day to pick up the dog poop . . . the shovel nearly froze my hands off last week!!!
Gotta keep my feet warm, if they are cold when I go to be I can't sleep.Hands too during the day & I need to be careful The little fingers don't get chillblains, so I have several exercise classes thru the week to keep mt circulation going, which really helps.