I live in Saint Paul and commute to downtown Minneapolis. Cycling in Winter is not always safe but my goal this year is to ride to work at least once month. I fitted a Fuji Tourer with studded tires and honestly feel safer riding over walking on the ice that covers our streets. In January, I made a lazy decision to ride my Specialized Turbo Levo eMTB one day - it does not have studded tires. One block from home where the ice is thick, I crashed on a left turn and my head slammed the ground. Thank goodness for the relatively new helmet that I had on or it would have been a trip to the hospital or worse! The following day was the Alex Pretti ride and I was back on the Fuji. Pro tip to keep your hands warm: silk base layer followed by rubber gloves and then loose top gloves to make space for warm air.