Hmmm I use to live in northern wisconsin. Winters got very cold. I remember the coldest part of my body were my hands and feet. After I got the clothing down i was able to ride many more miles without getting to cold. I would use slicks during the entire winter and also take your time going around corners. You may be cold starting out but you will warm up. When I rode during the winter is was a sence of freedom and the 4 years I did it I got better at it each year. I went from have a walmart bike with no experaince to 4 years and very good gear and a good bike.

Good gloves
Good socks/shoes/shoe covers/boots
Layer your clothing.
Studs during the entire winter. They should last you about 2 years maybe more.

I really wish more people would ride during the winter. Also do some research and keep a look out for a winter biking school. I went to one at the college. Many people showed up with winter bikes all different styles I got a lot of comments on my trek 3700.