@ cyccommute: Thank you very much for your very kind and smart advice!
I must add that, I do wear studded shoes and go with studded tires. And I’m no superhero: I still take a deep breath when I have to commute early in the morning when ice may be present, as if I have to climb a big snowy mountain. So I ride very carefully and slow especially when turning; sometimes I simply get of my bike and walk. But every year I gather more experience and courage. I do like winter commuting!