I'm moving to Iowa and plan to commute by bike once I'm there. What can I expect for winter commuting? What kind of gear do I need for myself and my bike? Also, I'll be locking my bike up outside all day when I'm away from home. Will the weather damage my bike, or freeze the chain stiff while it's out in the elements? I wonder if I should invest in a studded tire or if I should just plan to take the bus when the snow reaches my knees... Yikes, winter biking is daunting. Any suggestions?