I know that most folks who peruse this site aren't necessarily 'in the know' as far as the road and cyclocross world, but there is a product called embrocation that is commonly used to warm up and protect against the elements. Think of it as a warming rub with the added bonus of protection from wind and wet. In any case, there is a new local company producing their own particular brew of cycling rubs and products, so keep it real, keep it local, and check it out. On your next cold and wet ride, you will be glad you did-
http://classiccyclingessentials.com
FWIW, Brad is a friend and no I don't get anything by promoting his stuff.