I also tend to ride year-round, althought given where I live (NY) there are periods when this is kinda tricky (snow and ice on the road). Frost itself is typically not that hard to beat, if you prepare well for each ride and have the right gear.
I agree, fingers even in very thick gloves go first.
A few weeks back I got a pair of glove liners and the results are amazing. They help soooo much! I am still waiting for a really bad freezing weather to test them out, but I think it is a much simpler solution than messing with the wires - let alone the cost advantage. They were like $10 or so.
I will report back once I go for some longer rides in freezing weather, but so far, I am impressed -- really, beyond expectations. Try it out and see if it would work for you.
'07 Vulcan 900 Custom, Candy Fire Red
'05 Suzuki DR-Z 400s