I wear thin wool glove liners under Bontrager windshell gloves, which are unlined. This works for me down to 40 degrees, and below that I don't ride. It's a bit inconvenient dealing with two layers when you need to take them off and put them back on again, but I like the versatility -- if you start to warm up, you can take the liners off.
- Gray 2010 carbon WSD road bike, Rivet Independence saddle
- Red hardtail 26" aluminum mountain bike, Bontrager Evoke WSD saddle
- Royal blue 2018 aluminum gravel bike, Rivet Pearl saddle
Gone but not forgotten:
- Silver 2003 aluminum road bike
- Two awesome worn out Juliana saddles