We can include gloves in several ways.
Visuals: All Santos warfighter avatars have been created/rigged with gloves, but this provides a visual effect only and does not consider the effect wearing gloves have on task completion. However…
Collision: We can overestimate the size of the hand to subjectively reflect the additional space required to do tasks while wearing gloves.
Finger Range of Motion: The technology to predict change in range of motion to the fingers based on glove material bunching based on its warp, weft, and stiction does not exist in a robust, commercially available form in any digital human model. However, we can modify the range of motion of the fingers to not exceed some known effect based on real-world experiments done with the targeted gloves.
Physics: Likewise (see above), there is no robust, commercially available means of predicting the finger force required to overcome glove material bunching in any digital human model. However, there are some tools available that can extrapolate finger force based on grasp requirements, and these can certainly be used to compare finger force requirements with the force a finger is likely able to produce.