I really enjoyed commuting on the ice and snow when I had a mountain bike with studded tires. I still have the tires, but not the mountain bike anymore.

Nowadays, I'm pretty much of a wimp. I ride down to the mid-20sF if I have a ride planned and I get all ready for it the night before, but if it's raining or snowing, I don't. I have to wear glasses, and rain and snow are not glasses-friendly.

Wind is no fun when it's too hard. Best to stay indoors. There are plenty of ways to stay active indoors (great opportunity to work on that core!)