I'm fortunate that I get to ride my bike to work daily, and I live in the mid-Atlantic where winters are negligible and mild, for the most part. Fall is my favorite season for riding. I have good lights and have finally perfected my array of layering and mix-n-match elements. The trick is re-discovering what worked for these temperatures 6 months ago. I've forgotten what I'd worn then.
Sure, for those of you with snow and extended deep cold...it's tough. I know that we have year round commuters who make ski masks, goggle, studded tires and winter boots work for themselves. You guys are beasts.