^ Joe, I like your setup. What kind of helmet are you wearing?
Around here (Detroit area), there are winter riders. Many of the riders I see are the indigent citizens of the Detroit inner city who are carless, not by choice.
I took a short bike ride immediately after cross-country skiing around my neighborhood park, and I was a little surprised to find that the light clothing I wore skiing was not enough to keep the cold wind off my legs while bicycling.