Your hands get cold because of poor circulation. This is caused by either something wrong with your health, or because you're cold, and your body pools blood in your core, and constricts blood flow to your extremities. Either is fixed by raising your overall body temperature. A proper layering system, and wind protection is in order. Assuming you have enough layers of the right stuff, properly fitted, your body will think it's warm out, and will not constrict blood flow to the extremities. Being dry before you layer up helps as well. Hand warmers on kidneys and chest are helpful.
Everyone is different obviously. But I suspect most folks who are cold natured, and complain about these issues, are also not dressing properly. My father is one of these people. It was a constant issue when we fish together, until I got him in the right clothes. Now a thin pair of gloves to knock the wind is all it takes while running the boat. Once fishing, finger and hand movement is enough to keep them warm, because his body is warm. You're likely one of these people. Get the right clothes, and the right amount of them. If you feel warm, your hands will be fine. If you feel cold, your body will sense it and it's too late - gloves won't help you.
This isn't to say that you don't lose heat through your hands, feet, and head. You do. But it all goes together. Your extremities can tolerate a lot more cold if your entire body is warm.
