Great advice you guys! I live in Madison, which is very biking friendly, and I live right off a good bike trail. I do have a good hat that I can wear under my helmet, and I have some very nice warm boots that I can try. Tomorrow I am going to get some studded tires, headlamps, and reflective gear. I am planning on being geared up enough to ride in 10 degree weather, because otherwise I will not get to ride much at all. 10 - 20 degrees is pretty typical for this time of year, and 30 degrees feels warm! I do wonder about the rust as well, and now I am a little worried about that!