Being from the Florida coast, this may be relevant to you considering how humid it can get: if it's below freezing and misty/foggy, that's a hard no go. You really, really don't need to be riding when the moisture in the air could freeze on the roads. Who knows if you'll ever need this advice, but there it is.

Also, you're right that cycling in the cold is mainly just a matter of having the right gear. However, be prepared (a) to pay attention to your body and head home if you start to get too cold anywhere on your body (frostbite and hypothermia are real things); (b) to go more slowly and carefully, don't get surprised by an icy patch or a patch of road salt that you could slide out on; (c) to experience lower speeds given a particular level of effort, due to a combination of factors (denser air = more air resistance; more/looser clothing = more air resistance; colder air affects muscle contraction; colder air can cause mild restriction of your airway (bronchioles) meaning you're not utilizing as much O2 per breath; thickening of lubes (wheel bearings; chain; etc.) increasing power losses due to friction; etc.).