Finally got myself to layer up and head out in the crap weather on my bike and I have to say it was pretty badass! It was freaking COLD, but I had extra thick (skiing) gloves on and thermal boots with thick wool socks, and a balaclava for my face. First 10 minutes absolutely sucked. But then I sort of acclimated and by the time I was done I was actually so warm that I was sweating. I did long underwear and jeans for the bottoms, and for the tip I did a t-shirt, a sweat shirt, a cotton hoodie, and a light snow jacket. I think I'll lose the hoodie next time.
I was most worried about ice and snow, but my tires (aggressive tread mountain/mud tires). And I was able to navigate over ice pretty easily, albeit slowly.
Right now I feel exhilarated, like yelling "Fuck YEAH!" at the top of my lungs. But my family might realize I truly have gone insane. So I'll just sit here with a huge grin on my face instead.