As I'm moving to a cold part of the world, New Zealand, the souther part of the southern island no less,  I've already bought myself some thermal underwear. They cost a bit, bout $80-$100 Australian for the shirt and pants. But in my experience with them they are more than equal to the job of a couple of jumpers.

As for my hands, I think the idea of fingerless gloves is one to go for. TY for the suggestions ppl.