i used the mountain hardwear gloves twoheads referenced above all of last winter with a liner of course. and even with liners, my fingers were numb when temps dropped below 10 degrees. But only for he first 15 minutes... then once I got blood flowing and what not, I was okay.
I'm using those gloves again this year... but through 1 year of use, the seams split in some spots. Which will be an issue as the temps drop. but not yet though... worked just fine for my commute this morning (w/o liners) @ ~30 degrees