Do a search for "ice bike" on the web. These guys ride in crazy cold weather! I saw some good info about clothing there. There are tights you can buy with wind block. The wind is the hardest part for me. I also ride with full gloves and a balaclava (very thin, fits under my helmet). I am planning on riding through November as well. In fact, if the snow doesn't get bad this year, I may try for a year rounder. As I say this, I think I see my faithful city bike shivering in the corner! I definately will be leaving the Bianchi in her pajamas!!!