My Christmas present to myself was a pair of winter gloves. Been riding serious for 15 years now, and I'm embarrassed to say it took me this long to "invest" in a pair. I still couldn't get myself to fork up $60+ for some Gore or Pearl Izumi, so I happened upon these on sale (+ another 20% off!). The Louis Garneau Magma split mitten (splittens!) does a fine job of keeping the digits toasty. I wish the liner (Thinsulate) was removable, because the hands tend to get too warm around 40°, but all in all I am pleased with them. Thumb still gets a little chilly since it's left out there by itself, but only when temps get down in the 20°s.
So two years ago, my buddy Joe & I originally had a rule that we'd roll out on our morning rides if it was 40° or above. Last winter we bumped that down gradually & by the end of winter it was 35° & we still ride. Perhaps when the streets dry off, we can move that down to 30°?
On second thought, I have a date w/my bike & trainer at 10pm tonight, get wound up for an hour and then go shower & read a bit of Blood Meridian.