@avgDude, your hands sound like they are not average. Neither are mine. People who have warm hands don't understand how awful it is to have cold fingers. Here's what I do.
Mittens, without any cloth divisions between the fingers, are warmest. Manufacturers will insist that some sort of glove inside the mittens is warmer than fingers-against-fingers in there, but not for me. Been there, tried that. Same for battery-heated gloves; didn't work worth beans for me. Chemical packs on top of the palm, separated from my skin by a little pocket, don't heat my fingers or my palms either; that pocket places them too distant from their target.
I put the chemical heat pack in the mitten so it rests directly on the top of my fingers. No, it doesn't burn them. And no, it doesn't get in the way of gripping my poles. And no, with mittens, I don't grip my poles so tightly that the tension prohibits blood flow. My fingers get cold all by themselves, for no apparent reason. Some people's hands are made that way.
I ski in New England where it gets really really cold, and the wind does blow. When the temps are around 20 (and on down to -10ish), I put
three chemical packs in each mitten. I place two chemical packs on top of each other over the fingers, and put the third one, folded lengthwise in half, inside the thumb part of the mitten. There isn't much room in that thumb area, so it takes me a few minutes of re-trying to get a chemical warmer in there just right, so that it will sit on top of my thumb.
This is the only thing I've found that works for my very sensitive fingers. I buy the hand warmers by the case every year from the same shop. YMMV.