I am in the same predicament. My fingers are my weak spot -- right now, I have glove liners, Descente Wombat gloves, and I put in reusable hand warmers, and my fingers are still freezing after 30 minutes! I am researching really good gloves, and there are some prior threads on this site on that subject -- in particular, I'm looking at some gloves at Cabela's (google them) that seem to be super warm but still in the $30-50 range. In terms of cycling-specific gloves, I'm seeing a lot of recommendations for Pearl Izumi amfib gloves.