Just wear what you usually wear in winter and get some thick rubberbands to wrap around your pants leg to keep the cuff from getting chewed up by the chain. Snow might pose a problem, but hell, give riding in it a shot w/ the tires you have and see how it handles. And buy a $3 blinkie to put on your bike/bag/back so you can be seen. A headlight might be like $15 and not be that great, but it's better than nothing.