Chris:
Yes, I am changing when I get to work, and then changing back into a slightly slimy shirt to ride home. Yuck. I am going to bring two shirts with me next time, but even so, getting a flat and being stuck on the side of the road shivering in sub-zero temps, trying to change out a tube doesn't sound like a great idea. So, this is still an area in which I would like to improve.
Glad to meet another winter commuter!
Dagmar