Clearly, my response to the cold is much different than some of you. Unless I use gloves to get my equipment loaded, my fingers are numb before even starting the day. Even with my double gloves, the fingers go numb if riding the ZTR or using the W/B for a little while.
I have mechanics gloves on the inside, and leather gloves on the outside. In my experience, the "insulated" gloves are of little help. The tip on hunting gloves is a good one, and may do that if I find time to get to a store.