For gloves, I wear:
Crochet backed, leather palmed gloves from HOT down to about 35*F
Light fleece gloves down to about 20*F (< $10 at Kohls and wherever)
Windproof/weatherproof medium weight gloves down to about 5*F ($10 at Kohls)
Blaze orange thinsulate hunting gloves from 5*F down to COLD (-25*F is the coldest so far).

The blaze orange are on sale at local megamarts for $10 right now (deer hunting season). They're essentially cheap-a$$ ski gloves. They're toasty warm down to real cold.

YMMV though. Some people have different levels of circulation to their fingers particularly in the cold, and I've noticed that I'm comfortable in lighter gloves than some others. Heck, I have friends who wear full gloves and flannel lined jeans at 50*F.