I ride through the year, but not as often in winter. We don't have prolonged periods colder than the 20s, so when it dips way down, we can wait it out for a few days. Snow and ice don't usually linger longer than a few days, either, so very few people use studded tires.
Dress like you would for any other outdoor activity, in layers. Dude, you're from MAINE--you know about cold weather. Feet are a problem, but I use toe clips and some appropriate number of socks and shoe covers when necessary. Once you're moving, you'll warm up, though the built-in headwind can be chilly...
Check out www.icebike.com for lots of information.