I have a pair of these that work well until the lower thirties, then they start to get chilly. That's better than I thought I would get for $16. I really bought them to be water/wind proof in light rain around 45-60 degrees, they do that well.

I think I might be more inclined to get a pair of the lobster claw looking things from....I think Planet Bike makes an example, or a pair of mittens before I went with separate fingered gloves. Somewhere I have a pair of mitten shells that go over gloves, I hope to find them before I buy anything else. I'm betting they will do fine with my gloves for another 10 or so degrees of warmth.