Yes it is. I do a 30 mile return commute in Van. I'm going to give you an alternate persective. If cash is tight, don't buy all that stuff. You just need fenders, good lights, and some mail-order Marathon plus tires that will virtually never flat, especially on your route. If you have BCAA, you don't even need those as you can call for a pick-up. See how you like commuting when it really gets cold and wet. Lots of people love it when they start, but in my experience, lots of people also stop and everything goes on Craigslist for a fraction of the price paid. That's just the reality.

If in the middle of November when it's dark, raining and cold, and you are loving it, then go bananas.