I live in Iowa and do Winter commuting. Best thing to do is get an older "beater" steel bike that can handle the harsh conditions while requiring less maintenance and upkeeps. If you crash because of snow, ice, road, etc....... you won't be out of a nicer ride. The best kind of bike is belt drive if you're willing to spend some $$$$ since those belts last around 10K miles and no worries about lubing or salt and grimes eating at the chains. I have a Jamis Commuter 1 steel bike for Winter riding with fenders and rack. Not crazy about the 'stache handlebar (looking like Pee Wee Herman ride) or the twist-grip shifter. It's old and heavy but it does the job and the only cleaning I have to do after each ride is the chain to make it last longer.