I bought some LL Bean winter gloves for $20 on sale a few years ago. Just regular 5-finger something-or-others. Good down to 20f. Wore them below 20 once or twice with $5 liners. For warmer weather I have various local discount store winter gloves.

On really cold days, I try to avoid routes with fast downhills, especially at the beginning of the ride, and sometimes ride my mtn bike on the road. Slower bike = less windchill.

Probably 1000 posts in the Winter Forum.
http://www.bikeforums.net/forumdispl...Winter-Cycling