I've had a couple of 22 degree commutes this month. It will get colder. I think the coldest I did last year was in the single digits. I do have studded tires and they do help with the black ice. I really don't like ice. My bike handling skills aren't that good. My most memorable ride last winter was a PM commute. It was about 10 degrees, crystal clear, dark and totally exhilarated. Roads were mostly dry so there were few icy patches to worry about. I LOVE rides like that!

The only draw back to really cold weather riding is that you can't stop for very long or you get very cold. bikerHen