My Dew is the year-round commuter. Planet Bike fenders, Topeak disc-compatible rack. I love the disc brakes when it is icy or slushy. I use Nokian studded tires. I try to get her as clean as possible between rides. We've ridden down to 10-below or so. I only have trouble in deep snow, or on really rutted roads. My light is a L&M Stella 120. I have a different light on order. It hasn't arrived yet. Front & back blinky lights. Lots of reflective tape on the rack and fenders. I'm always a bit sorry when the winter is over. (Less so since I have the new road bike to look forward to, though).

Deb