Liner gloves when my hands feel cold. That's usually below 40F. If I need to do things, they don't interfere too much with dexterity.

If it's colder than freezing, out come the fleece gloves. In winter, the insulated waterproof gloves go out with me. In 3 season I have some large nonlatex medical gloves along to layer over some low profile fleece gloves.
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