I think it's a bit of both as posted...

One, having good proper gear makes a HUGE differce. When I first starting riding in general, it was shocking at what techical clothing costs. But, I've tried it without it--just ugly. Once you own it--totally worth it. So, your idea is a good one.

I agree with Crankin too about the snow and ice. There are many days it will be beautiful enough for me to ride, and the gear I own can handle it, but I don't want to crash on that unexpected patch of black ice, or unmelted snow outta no where... and land into traffic.

Well, I guess the only other good cold gear thing I do not own is some different tires, and boots. If Mavic only made my beloved shoes that fit my goofy shaped feet in boots, I'd be buying *sigh*. But, I digress...

Maybe some winter bike handling skills / tips would be helpful too? And something like "best thing to clean road salt off your bike tip, etc.".

Could you distributed an office water cooler survery... "winter riding--what's your show stopper???".

Good luck, lph! Sounds like a good project.