These first two days back to work were a little harder, not because of the cold but because I was loading my pack with clothing and towels for the office for a start of another year. Makes it easier for me to rotate my clothes if some of it is there already.
The only line for me is if we get a dump of fresh snow overnight that is too high to pedal through. Last winter it was 5inches. But this fall I got a new fat bike, I am ordering new studded tires and will see how high of fresh snow it can do. Plowing through snow works up a sweat so low temperatures won't be a concern unless there's mechanical failures due to the temperature.