For electric gloves I bought the thin, armored Warm and Safe gloves. They are not very warm. I wished I had bought Gerbing's G3s. If you get the gloves and liner or vest be sure and get the dual control because you will probably always want the gloves turned up hotter than the liner.
Larry
Warm'n'Safe made it pretty clear that those particular gloves were uninsulated, but apparently a lot of people had trouble figuring out the consequences of that fact. So Warm'n'safe no longer makes them. The warm'n'safe gloves currently available are insulated similarly to the Gerbing's gloves.
As others have said, gloves will keep your hands warmer, but grips heaters are always there. I have both, and find the grip heaters to be great on chilly mornings. And when it's really cold, the combination of both is wonderful.
Hands or chest first? My thought is hands. You can always add layers to your upper body as it gets colder, but you really can't add too many layers of gloves. Some will say that keeping your trunk warm will keep your entire body warm, and there's some truth to that, but winter wind blowing over your hands will sooner of later leave your hands frozen, no matter how warm the rest of you is.
If you do decide to buy a liner (I have one of those, too) Warm'n'Safe is the superior choice. The sides are elasticized to keep the liner pressed close to your body, which greatly improves heat transfer compared to the looser fitting Gerbing line. Note that Warm'n'Safe has two versions of the liner now. The 2nd gen is not windproof, and breathes better, which makes it more comfortable in many situations. The 2rd gen is windproof, which makes it more suitable for wear under something like a mesh jacket.