I got to rhinking maybe it would be worth having some winter gloves even though it only gets into the teens once a year or so here and I manage okay with some long finger nininsulated gloves and just trail riding where the windchill won't be too bat. Any way I was reading some reviews of some winter insulated bike gloves.and was amazed at the variability of how peoples cold tolerance was. The same gloves that some found okay for 0 F others claimed they were cold at 40 F. Given that I don't even think about using long fingered gloves until it is way below 40 F it kind of floored me that an insulated glove would be rated as not wam enough for 40 F by some, but I guess it illistrates the point that this is a very individual thing.
Any way I think I may spring for some PEARL iZUMi AmFIB full finger insulated gloves for northern travel and for the very for mornings in the high teens and low twenties here. Once it gets to the mid or upper mid twenties I am fine with uninsulated full fingered gloves.
Oh, and like shoes fit is important. If they are too tight they will be cold. With shoes, cramming in more socks will just make you colder if it cuts circulation.