Black ice is a beast and I've fallen twice. Both times, I was riding slowly.
If there is still ice and snow ruts on the road sides, then I don't bike because ...I end up in the middle of the road /too close to the cars.

Today, my employer just profiled a winter cyclist-employee who cycles in more snow than I do and @ -20 degrees C. She has a 7km. bike ride from home to work (same building where I work) and most of it on a bike path.

It's snowing again right now and dearie just told me he's going to try cycling for a short piece. He has studded winter tires. I know he will be sticking to the path. Better to fall with no cars around.