I checked the weather report just before leaving this-morning (5:45ish) and it looked pretty promising. So I thought "no need for the gloves today" ......... oops - 22 minutes later I find it very difficult to find the office door key with numb fingers 
Note to self: Gloves ARE needed in the mornings!!!

Note to self: Gloves ARE needed in the mornings!!!

Shame the bike ride is 20-25 minutes.
I have fairly good circulation though, so they warm up after about 5 mins of cycling. 
short sleeved shirt and gilet on top.