Oh man, if it's 48F and you have that many layers things will get interesting when it starts to get cold.

Those gloves are going to be letting air through, and I'm not sure that the wool is going to help with warmth much unless your hands are getting sweaty. For the cold months I think you'll be wanting some different gloves entirely to stop more of the wind. If you're convinced that the wool liners will keep your hands warm with those gloves then I don't have any experience w/liners besides the cheap stretchy one-size-fits all gloves you get at pretty much any store underneath some mittens.