So rain and cold don't scare me. We'll see how it goes with ice though. On my motorcycle I would only use the part of the lane that cars actually drive on and unless I'm out very early or very late there is really not much of a chance for black ice. On the bicycle though I'd be using the curb or side streets or bike paths - and they all don't get much traffic so that's where black ice could be waiting for me. I guess I'll just have to take it easy, watch my speed, and see how it goes.
Look into studded bicycle tires and studded snow tires. Schwalbe, Nokia and Kenda all make them, to name a few.
They aren't cheap, but they are way less expensive than an emergency room visit or a funeral.