Bike season? Only for the weak willed and faint of heart. Studded tires, wool and fleece. Plus a sense of adventure. My wife calls it something else. Make good decisions and get some good quality clothes. Keep your head, hands and feet warm. There are no bad bike commutes, only poor clothing choices. I have some plan B's as well. Coffee shops to warm up in, any ATM will open with any card with a mag stripe. Stuff like that. And some of those tear open heat packs. Start there.