I went to a regional sporting goods chain and found some nice warm winter gloves appropriate for cycling at a whopping $37.95 a pair. I passed and my fingers were still cold. Then by chance I was passing by the workwear section at Walmart and spotted a pair of Wells Lamont Work 2500 High Dexterity winter work gloves. They have a leather palm and fingers, a neoprene back and velcro wrist closure. To top it off, they have 80g of Thinsulate but are still fairly thin and very flexible. I tried them out for the first time today and at 45F damp and windy my hands were very warm, almost too warm. No problem operating shifters and brakes and quite comfortable. Best of all they cost less than $10. They come in all black and are fairly good looking, though not quite as refined as the $37 + pair.
I don't work for Walmart or Wells Lamont and have no interest in either company, just passing on what I think is a good find for a winter rider on a tight budget.