I commuted today with the morning temperature at 10F. Wore ski pants, so legs and feet were warm, but hands were cold. The trip is only 2 miles. Roads are clear and ice-free, as long as you stay away from the extreme edges. Tuesday I took the bike path part way home and hit ice - falling down on ice with water puddles on top wasn't fun, though no major damage. Now I've got some studded tires on order, but think I'll stay on the roads and off the path the rest of the winter.