+1 on the 4th element... the ones that look like black spiderman gloves are the ones I use and they are like a second skin.
I'm thinking at 45deg... I'm usually wearing dry gloves and swimming with my hands above me for the heat.
You Tx folks are whimps! Surface reaches 74 here in Erie, but the thermo still seems to hover around 39.... dove it wet for years, and still use wet gloves on my DS.