One area I cheap out on. I use cheap Walmart Bell Mesh fingerless Gloves (they used to be better quality and fit my hands better than anything at the LBS for any reasonable price) and a pair of basic Pearl Izumi fingerless when I'm feeling fancy. Today I wore one of each due to losing one of each in the wash.

The real cheapo part: I just use a pair of disposable rubber gloves underneath them when it's cold. Stumbled upon out of necessity but they work fine for anything I ride in which is very rarely below freezing. Will probably acquire a wool pair before next winter.

I often wonder what larger guys do. My hands really aren't that big but I find myself always wearing an XL glove.