Layer one: Smartwool Glove Liners
Layer two: Therma-Luxe Glove liners (REI carries them - brand name starts w/an "s" - can't remember now, but they have a gold lame vibe going on )
Chemical Hand Warmer
Top layer: AmFib Lobster Claw Gloves

I'm an endurance rider and this combo keeps me decently comfortable for 2-3 hours in temps above 20 or so. Like Tulip, I'm loathe to go out in temps below 20.