Thank you for your reply. I did find some winter bike shoes from Mavic (I didn't know they had a clothing line) less clunky and less expensive than the REI offerings such as a the 45NRTH.  Ultimately i had in mind was something like a "pogie" for your feet, I use hand pogies on both my road bike and my mountain bike, and find they make all the difference.  I've tried a couple of the shoe covers on the market, and think they're a poor design, very hard to get on and second they don't help with the cold all that much.  For me, I think I need to clip in, especially on the road bike.  Thank you.