Learning Curve
This is my second winter biking. The first winter was sans studded tires so I didn't ride when I was concerned when was there too much snow/ice. I took one fall, in my driveway fortunately, and I had one near fall (in parking lot at work). I opted for studded tires this winter. And of course the roads have been clear of snow/ice since. You might want to practice in a non-traffic area till you feel comfortable being out in traffic. As another poster echoed "Be ready to bail".