This is a great thread...

I ride all winter, and although I live in Idaho's "banana belt" it can still get down to zero on the coldest mornings. Even with ski goves my fingers get cold. I've tried Craft lobsters with liners - they weren't warm enough either.

Gonna try the gloves Carbondale recommends... They've got nasty weather in NE, so I figure he's gotta be on to something!