I'm backing off my hardcore winter riding. At a late sixties age, those crashes take too much of a toll. But I commuted year 'round 3 days a week up until 8 years ago. Portland, OR - mostly just wet, sometimes fallen branches. But when it dropped below freezing, drivers without a clue (and sometimes road crews - not sanding a key corner on the approach to Oregon's most important hospital, a corner that is always wet! I went down at 5:30 am on my way to work. The sign on the island was trashed when I went home.)
I've done my share of winter riding. No car 'till I was in my 30s. Lived in Massachusetts and Michigan until I was 26 and didn't use public transportation much..
Now a good fresh snow Sunday? I'll go out on my ice tires and have some fun!
Ben