I just picked up a pair of Planet Bike Borealis gloves. They are a combination of windproof, water resistant fleece lined outer shell with liners. The liners work well down to about 45 degrees, and I just rode this morning with just the outer shells in 29 degrees and my hands were a little warmer than I like (better than too cold, I guess). I can't say yet how cold you can ride with both the outer shells and liners, I imagine they can handle some pretty cold temperatures. I have Nokian Hakka 294s on my mountain bike that I use in the snow and ice, and they are incredible. They make a version for 700x40 wheels (if you can squeeze an extra 8mm of tire on your rims this should work), I think they have around 240 studs instead of 294, which is still probably more than adequate (here's a link to their site http://www.suomityres.fi/w240.html). If 40mm wide is too wide, you can try the 35mm W106, which has 106 studs.