This year... e-bike! In the past I've ridden my road bike commuter down to 20°F, which is pretty much my limit for a ride that takes upwards of 80 minutes, but by the time I get to work my toes are in pain, and I promise you that whatever suggestion you may have, I've tried it, short of battery-powered heated insoles, or big fat SPD boots that I just can't afford.
On the road bike I prefer to be clipped in, but on the e-bike I find that it's not so necessary. And since the ride takes less time, I may be able to commute more often this winter. However the cold temperatures may make battery life and range take a hit, so we'll see. Currently I can do a 30 mile round trip commute on one charge up to 90% (charge to 80% night before, then top off in the morning before leaving). Doing this puts me right around 20% battery remaining when I get home. I'm not sure yet how the cold will affect things.