Warmth isn't the only issue, BigT.
I like the handguards on my DL650 because they keep debris off my hands and rain out of my sleeves. I find that handguards let me wear marginal gloves in chilly weather; I like thin gloves because I feel I can handle clutch and brake best with thin gloves.
I have been to latitude 55 and met hail, out of a clear blue sky, or so it seemed. Folks in BC's Cariboo country tell me you can get four seasons of weather any day of the year, and probably within an hour or two.
Rat-a-tat on the handguards, instead of pain.