Freezing rain is about the only thing that'll keep me home. That just gets too risky - even with studded tires. Wind, snow, cold and wet I can handle as long as I feel that control of the bike isn't an issue. Wet ice changes all that.

Caught the tail end of something here last week and my commute was blocked by a fallen tree. I've had to deal with leaves, twigs, small branches and large limbs before, but this is the first time I've actually had to climb over a two foot thick tree trunk.