These are the first pair of fingered gloves I've found that work for my boney hands down to 20F on their own without an overglove:
https://www.amazon.com/gp/product/B07DVWF8X4/
I was very skeptical at first. First time I needed them for an inner-glove on a 25F bike commute I put lobster-claws over them and my hands were swimming. Now I use them solo from 20-40F. Very warm when windy and dry, haven't tried them in wet yet. Just took delivery 2 weeks back.