The only problem I had riding last winter was my hands getting too cold. I think I had the beginning of frost bite once! So, no expense spared--I just bought the Phantom Gloves by Gore (I got them from Terry--www.terrybicycles.com/detail.html?item_no=1352&c=Accessories).

We've had a few 45 degree mornings here, and they're great! If I could just figure out how to buckle/unbuckle my helmet and zip/unzip my jacket with gloves on