I have small hands and have always suffered with the cold getting to my finger tips especially. Used to cause me terrible discomfort, numbness and pain.
Last November I bought a pair of Gerbing heated gloves (haggled for a discount) at the MCN show in B'ham. Best investment I ever made! The heat goes all the way to the fingertips and even on the lowest setting they keep my hands warm. I have fabric ones (not leather) with an inner waterproof lining. They are nice and light and just thick enough. Can't wear thick gloves or under gloves as I can't move my fingers to use controls, so these are by far the best for me.
Hubby has Oxford heated grips fitted which has its own cut-off switch if you leave them on when getting off the bike. Personally they wouldn't do the job for me completely, but I might get them next year as an addition. I do find having to thread the glove wire through jacket arms a bit of a faff every time I go out, but always worth it in the end.
Will probably add the heated grips next year for days that I'm not sure whether I'd need the gloves or not. Then at least of i do find it a bit chilly when I go out I can switch them on.
Other than that, it's layers, layers, layers for me. Tights under my kevlar trousers and a couple of pairs of thermal socks. Not the most sophisticated look, but being warm is far nicer and safe - leaves me to enjoy my riding