I bike a 5 mile commute to campus 2-3 days/week and would like to continue this the entire year except for the coldest days (days with a high less than 20). I want the exercise and convenience of biking to continue all year, but have a very limited budget for cold weather gear.
I just got Pearl Izumi Zephrr wind shells and glove liners which should be great for the hands, but I worry most about my legs, feet, and head getting cold. I plan to keep biking and see what parts of my body get cold as temps drop but what advice do you have on items such as full-head warmers, leg warmers, and shoe covers? What are the bare essentials?
I am riding a Trek Portland with disc brakes, half fenders, and 700x35 tires. As of now I don't plan on riding whenever there's snow on the road, but I might test it. BTW, are MUPs usually snowed over during winter?