Thank you, this is very helpful. I do have a pair of Shebeest full winter biking gloves, but they are too small to use over a liner. They are from last year - and are fine for temps above freezing as long as it isn't too windy - they are warm but do not stop the wind.

I am also considering these, they are windstoppers as well and there is a little pocket to tuck away the lobster covers.

I've noticed that my hands and arms seem more susceptible to the cold than the rest of me, or at least they get cold first.