I commuted on a mountain bike throughout a couple winter seasons. It got to the point of it not being worth the effort anymore. I'll take the bus. Though I'm on my way at lunch to pick up gloves and some arm warmers at lunch..

I picked up the older version of this jacket and it served me well in cold and sloppy conditions.
http://www.mec.ca/product/5018-642/m...02+50021+50089
Sized large enough to fit a couple layers of close fitting fleece underneath. I'd say the worst thing I experienced was cold hands and crappy drivers.