One of the better cycling adages I've heard and generally stick to is "ride the temperature." Meaning, ride no more miles than the temperature that day. So, if it's 33 degrees, ride no more than 33 miles. I assume like most generalizations, it won't for everybody, but I still think it's a good rule of thumb.
I have some microfiber base layers that I like just as much as their wool counterparts. I get a lot of my winter gear at running, versus cycling shops, because they often have a better selection for women (plus, I run in the winter, too).
Live with intention. Walk to the edge. Listen hard. Practice wellness. Play with abandon. Laugh. Choose with no regret. Continue to learn. Appreciate your friends. Do what you love. Live as if this is all there is.
--Mary Anne Radmacher