Thanks for all the suggestions. I'll think about it and let you know what I try. I want to make a decision pretty quick because it is sure not getting warmer.

I love my merino wool undershirt, although I'm slightly traumatized by owning something labeled "undershirt" that cost $70! This undershirt plus a light windbreaker is all I have needed to wear on top even on the coldest days. (If rain threatens I wear my new goretex rain jacket, which is actually too warm. However, since I got it, it hasn't rained, leading me to believe that goretex doesn't keep rain off the wearer, it keeps rain off the ENTIRE CITY!)

Anyway, I've enjoyed the shirt so much I'm inclined toward merino wool glove liners. By the way, the gloves I was disappointed in are Phantom Gloves from Gore. They are not Goretex material but they are the same company.

SadieKate, I honestly thought California was warmer because it's on the coast. I didn't know parts of it get snow. Your correction of my misconception could have contained less ridicule.