Each place is different.

Doesn't Fort Collins get pretty cold in the winter? What about rain? And, are you planning on riding in the ice and snow?

What is your bike? Road? MTB? Hybrid? Cross? 26", 650b, 700c, 27", 29er?

Around here we mainly have wet winters. And, I can usually stay home for the few ice/snow days.

I'm a (slow) Roadie at heart, generally with 23/25mm tires. My old Colnago has had plenty of wet winters, but is now being retired in favor of my Franken-Litespeed Titanium. I tried clip on fenders... never quite got them right, but it is nice to reduce some of the spray.

I've generally used generic rain pants, and a good cycling rain jacket with plenty of ventilation. I got a pair of neoprene SPD shoes last year which are very nice. I'm still experimenting with tires.... there is some debate about tread, but I did like my Marathon Plus 25mm on the rear with moderate, and very thick tread. It seemed to get a bit better traction than a few other tires.

I don't have any studded tires, a set might be nice for the ice/snow days if I had to go out.