I will wear gloves inside of mittens when it's below 30; 30-40 I put hand warmers inside my mittens. I know they're expensive, but so worth it...the Lululemon run swiftly line of long or short sleeved shirts are amazing. I can't really do wool, so this is the next best thing. If it's under 40, I layer one of those with a vest. I have a Lulu toque that i also love.
If I remember correctly, you're in Texas...
Hand warmers for me are for below 25 and windy.
I buy the handwarmers at Walmart of BB&B (with coupon), about $6-7 for a ten pack.