Southeast PA.
Here's what I wear on my hands. I have bad circulation and my hands never get cold:
http://www.edwinwattsgolf.com/golf-equip...?source=froogle
Regular golf shoes and thicker khakis.
Ski cap or baseball cap.
I have a Footjoy jacket that is water/windproof.
Probably most important is that I walk.
I'm never cold and it's enjoyable golf (a lot less crowded than the summer).