I never used to need gloves until it got down below 25 degrees. Now that I'm getting older that's changed and I need gloves if it's below 40. Down to the low 20's I'm fine with a pair of jerseys. I usually carry a couple extra pairs in my pockets in case they get wet and if it gets colder than anticipated I may double up. When it's colder than that I've got a pair of those fleece hunting mittens that flip up and have a built in compartment for hand warmers.
