I live in the city of Buffalo, and have been riding my bike this winter. Be sure to dress warm - especially the fingers, toes and face/neck. There aren't any bike lanes here in the city, but I haven't had much problem with unplowed streets. The slush is slippery, so if there is a lot, I try to let any cars pass, and then ride where the road is clear. I have really enjoyed riding this winter, and I like the challenge of it. (I don't have to ride every day, though) I am a girl too, and IMHO, most of the things/situations that many say are so dangerous, are really not as bad as they sound.