Could I put a vote in for adjusting to the cold? I find that early in the winter I feel a little cooler below 35F, especially with wind. However, as the winter drags on, I can use the same equipment and feel warm. I think the body is a little better able to pump blood to the extremities at that time.

Before I make any major purchase, I try a few "conditioning" rides with my current clothing setup... maybe your current gloves are close enough.