The gloves I use come with removable fleece liners.
Aside from those, I really like Thermasilk glove liners. They seem to wash up just fine in a laundry bag, though can snag on velcro. They allow the following configurations, with approximate subjective temperature ranges:
- Thinsulate handyman gloves + liners: sort of cold (30s F)
- Winter gloves, no liners: Cold (20s F)
- Winter gloves, silk liners: A bit colder (Teens)
- Winter gloves, fleece liners: Deep winter cold (0-10 above)
- Winter gloves, fleece liners, silk liners: January cold (Below 0F)