I'll be riding as long as the temperature is no colder than ~20F (-7C).

Last year I rode in jeans and fleece on cold days. Jeans aren't very comfortable for riding.
This year I may try bibs and leg warmers or tights instead of jeans.
The thing I don't like about winter is having to carry extra stuff in my panniers. You know, like 2 or 3 pairs of gloves for cold, cool, and not as cool temperature changes during the day, and rain gear for the ride home, and an extra base layer, and shoe covers, and the other windbreaker (I have one light weight and one heavier weight), and.....
I guess I'll be putting the NiteRiders back on the bike sometime next month.