cold weather riding

Looking for some input as I commute year-round in Dallas area having lived in Southern California the past 15 years. It's been hanging below freezing (with and without wind chill). My finger tips are getting very cold even on a short commute. Looking for the most cost effective and effective...

With the "Polar Vortex" having passed through thought I would post. I live in Upstate South Carolina, have been commuting to work year round for the last 10 years. 22 mile trip one way. It's a little warm some days in the summer and a little cold some days in the winter. My low a couple of years...

I know personal preference is most important when deciding about gear, but wondering what everyone's experience/preference is. Trying to find out the pros/cons of each. Sound off if you've used either or both and what your experience has been. Thanks.