In my earlier days of cycling and when money was tight, I used cheap ski gloves. Most markets sell them, just make sure that their is plenty of the thinsulate padding around the fingers. Of late, I have found a layering principle helps. Thin inner and thicker outer. I looked at the Assos 3 finger 3 layer - too expensive for me. I got some seriously warm gloves from a Canadian cycle shop when I was over there last winter. The Canadians have some excellent winter cycling gear.