I have a dedicated winter bike, I don't like riding in heavy rain or cold rain but the -10F weather the other night that I went out for a ride was not bad, I should have had more then a flannel shirt on over a T-shirt but I ended up staying pretty warm.
I ended up getting carbide stud, studded tires because I'm a sissy and I do not like falling down on ice, for the same reason of not liking pain I also have a very bright red blinky rear light that I use any time it's dark or there is traffic, I also tend to turn my front light to blink if it's light out and there is traffic, more so if the sun is low in the sky where drivers might not see me otherwise.
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