We don't get much snow in winter here, it doesn't get very cold (teens). When it does snow I use those days to run the car, as it does need to be used occasionally.

My winter bike is set up more for my own convenience. Thumb shifters work better than STIs with heavy gloves or mittens. Racks and panniers front and rear carry any extra clothes I need. It may be warmer riding home in the afternoon, when I don't need to wear as many layers. I have semi knobby tires for the gravelly roads in winter.