Core body temperature in regards to keeping extremities comfortable makes a pretty big difference. So far, I'm not hard core enough to try biking outside regardless of weather, but I do live on a farm, and do have to do chores 2x a day regardless of the outside temperature, which as been as low as an actual -54F prior to accounting for windchill. My choring gloves are truly nothing special. They are leather palmed/canvas backed with cheap insulation, like maybe cost $15...basic Tractor Supply Store junk gloves. They are more than enough because I put on an entire arctic weight set of coveralls on, that I frequently end up un-zipping to the waist after I get warmed up. Boots are muck boot company chore boots, which ARE rated for -40, worn over just regular socks that I'd easily wear to the office.

My feet are always good, fingers can initially get cold if I'm working outside using a metal handled fork for example, but that's generally only happened when I've decided to skip the coveralls and wear something over my core/legs that isn't really up to the task.

On the bike, blocking out the wind seems to be key for me being able to tolerate riding in the cold. My commute is short, and since I wear office attire, my legs are my weakest link. I generally only commuted last winter if the wind wasn't ripping, and the temps were well above 0. This year, my plan is to throw a pair of wind pants on over my slacks to hopefully have more rideable commutes. Headband/wool skull cap under the helmet, Heritage arctic weight fingered "mittens" for the hands (they are an equestrian product that seem to translate good to biking for me), and a traditional winter coat over long sleeve technical base layer top/fleece is what is typical for me.