> Do you wear gloves indoors? If not, aren't your hands colder?

No and no. The temperature in my home is set just warm enough that a sweater (and let me add, shoes - insulation from the coldest air and surface in the room) keeps me comfortable. My hands don't get chilled at that temperature.

FWIW - from wilderness experience - it is widely believed that the best way to warm your hands is often to warm your core. Your body naturally prioritizes your core (probably better to keep your heart at 37 C and let your hands get a little chilly than vice versa!); keep that warm enough and energy/blood will be diverted to keeping your extremities warm.

In other words you keep the space hotter to increase your personal comfort.

It’s perfectly viable to keep a living space just above freezing. You however need gloves to stay comfortable at 3-4C (38f).

I wear fingerless compression gloves when coding. They are usually sold for arthritis/carpel tunnel/raynauds. If you get cold fingers these might be life-changing for you as they were for me.

Another factor is just getting up and doing some light exercise every 30 mins or so. 5 push ups, or jogging up and down the stairs a few times, is enough to keep your circulation reasonably balanced.

There are gloves without fingertips.