Don't say I never told you...
Update: On the road in single digits and perfectly fine for an hour with the gore liner glove. Wore them on the mtb last week and that was fine too.
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I am ready to officially endorse the http://www.answerproducts.com/apparel/gloves/sleestak/ answer Sleestak gloves. These are only $40 and rated to 20 degrees. I figured for the money they were worth a try. I am really liking the 1-3 split and it answers the lobster issue for one speed of having to brake with two fingers. The top of nylon and actually sheds water, which is what I was looking for since other winter gloves I have are like sponges in the rain. I rode last week in really hard rain and they got wet via the palm and not the top, but for light rain that would not happen. I have not tested the limits but this are looking good. For the money, these may be unbeatable.
Update: On the road in single digits and perfectly fine for an hour with the gore liner glove. Wore them on the mtb last week and that was fine too.
What Bike Rumor Has to Say