No sh*t Sherlock. Cautionary note on how we make assumptions. Meanwhile, just passing note on naked fingers vs inner liner: We may be conflating two types of cold damage. I wear liners to prevent contact damage, frostbite, when I take off mitts in extreme conditions. Save the nails, tips, and all that. Friend who's a serious mountain climber - I've just done a bit - does same, actually uses a glove with an over-mitten, slightly different rig, same idea. So if you take your mitts off regularly, need the dexterity, use a liner. (Same goes for those of us who take pics a lot, incidentally.) or if you're talking silly cold, like the top of a major peak.
OTOH, have been told by wilderness MD's that fingers will actually do better in direct contact with each other inside a mitt (or glove if you ball up your hand) when the issue is local hypothermia; entire finger shaft or two getting too cold while other parts of the hand or body are OK. Same reason you get two people in a sleeping bag, survival conditions, and try to get as many clothes off as possible. (No comments ) Skin to skin conductance can help faster than waiting for warmer blood from the core to get out to the periphery.