Ditch the cotton t-shirt asap! no wonder you are cold! Have you ever wondered how at Ice festival people like Shawn and Dee and Joe and myself and Chuck can look like they don't have much on for clothes but never seem to be cold? Its cause we've got the right system going. It is expensive, but once you have it, you'll never go back!! and you'll have it for a long time!!
K.. back to business...your bottom layer sucks!!! forget the pranas or cords and get a poly pro or wool long johns to match your top layer. Then put on your snow pants.
Better yet, get rid of the snow pants and get a pair of fleece pants for your mid layer and then a pair of Gortex only pants (not insulated) for the top. That way you can leave the fleece pants at home on warmer days but still stay dry on the slopes or where ever you are with the gortex. the MEC
sheild pants are awesome. I have the older version..the MEC Fall line Bib pant and they rock. They are the same pants that Fred has, Mat B has, Darrell S has and a ton of others...cause they just plainly rock!
I highly reccomend the bibed pants too. a few reasons...1)on warm days you can go without your jacket and not get snow down your pants 2)you can sit around in the snow or whereever and your shirts don't come untucked 3)they stay up no problem 4)you don't get bunching around the waist where everything is tucked in etc.
Mimic your bottom layer to your top layer and make sure everything tucks in nicely!
Now...regular gortex and gortex XCR are different. Gortex is waterproof and windproof and is the old standard in hardshells. XCR is all that plus it is lighter and BREATHABLE. It is awesome. but you pay for that. However, if you treat it right, don't wash it with regular detergent and all that jazz, it will last you forever!!!
A hard shell is a jacket like a Gortex XCR or plain gortex that is wind proof, water proof etc etc. It is the top layer of most '2 layer' jackets.
A soft shell is lighter, stretchy, closer fitting, and doesn't give quite the same degree of wind/water proofness that Gortex does...but almost.
sheesh...sounds like had better put a lot of things on your Christmas list!! hehe.

or go shopping!!!!
It took me a few years to get everything I needed/wanted. I got my gortex pants and jacket one year as well as a good base layer. Then the next year I added some fleece pants and some good mid layers, then last year I added my soft shell and down jacket. Next year I'll be adding some soft shell pants and and XCR shell. (I hope!) And I'll need to replace my base layers. I'm going wool over Poly Pro though from now on. Just a personal preference thing. They don't get near as stinky as the poly. Thank Gawd, cause that stuff reeeks!!!!
The phrase "working mother" is redundant. ~Jane Sellman
If a husband speaks in the woods, and his wife is not there to hear him...is he still wrong?