Being from Chicago and commuting through winters, I second the fenders- big time.

Studded tires might be much, but maybe switch out your slicks for knobbies. That should help with ice and snow issues.

For clothing, you'll need a wicking layer against the skin, a warm layer over that, and a windbreaking layer to top it off. Under Armour makes great wicking clothing... or use dri weave or coolmax clothing for the wicking.

If it's a really cold day, I'll use a fleece jacket as my warmth layer. In a cold day when it's not cold enough for a fleece jacket, you can get the armwarmers instead.

I have a couple of pearl izumi jackets for my windbreakers. They have thin ones that are great for not-so-cold days when you're using the armwarmers, and they have slightly thicker windbreakers that work better for the cold days when you've got to break out the fleece.

I also wear a hat under my helmet. I have a coolmax cap that fits snugly on my head. I also have a fleece hat that I can wear over that. It all fits snugly under my helmet, and I can pull it over my ears when it's colder out.

I also have a fleece round scarf that fits snugly around my neck. It is perfect for those windy days when you feel like the wind is blowing right against your neck.

For my gloves, it's lobster mitts. If it's really cold, I wear a pair of cloth gloves under the lobster mitts.

Finally, for my feet, I have a wicking material for the thin inner layer sock. I'll put on a pair of coolmax or woolen socks over that to keep my feet warm. I always ALWAYS ALWAYS wear sandals- I just love them, so I also put on booties over my sandals. If it's warmer, I'll put on toesies and skip the booties.

That's about all I can think of right now.

koffee