Call me a wimp, but I won't ride below freezing. Having said that I've had a tough time finding "just the right" gloves. Long fingered uninsulated gloves are too cold, and ski gloves are too warm. Went to the LBS and they had "winter" riding gloves if I wanted to spend $90. No thanks. Until I find the perfect glove, I'll let my fingers cook in the ski gloves. Better toasty warm than cold.