I have the BMG Thermosport Gloves. I was good with them until the temperature dropped to around 40′ or so. After an hour my fingers would be seriously cold. Last year I tried all kinds of inner layers but nothing worked. I also have a cheap outer 3 fingered rain glove and that helped a little but it is a pain to use. So this year before winter got here I ordered a set of bagster muffs (kind of like hippo hands). Took a bit of getting used to but I’ve not even noticed the cold this year. Also help out in the rain, keep your hands nice and dry.
Now it’s my feet that feel the cold now but I’m wearing a pair of boots that are not desinged for winter weather (sidi b2s) so I’ve just got myself a pair of neoprene socks for $10. I think that will sort that problem.