My year-round commuter is a road touring frame with fenders and panniers. I have a whole separate winter wardrobe, though: lots of warm layers, thin beanie under the helmet, fleece neck/face gaiter, ski gloves, winter-specific clipless shoes, etc. I'm curious to try pogies but can't justify the expense when my gloves work well enough.

As @cerement@slrpnk.net mentioned, the lack of decent infrastructure is a limiting factor for me. I don't ride on the road if there's ice and snow present because it's always slick, lumpy, and unpredictable. The nearby bike path is an improvement but it only gets me half way to my destination. I just expect to drive to work until road conditions improve.

depends on how cold it gets for you (and what winter conditions you have to deal with like deep snow or ice storms), but another source for inspiration is countries that deal with this on a regular basis (although Nordic countries have a distinct advantage of decent cycling infrastructure in the first place):

• Not Just Bikes | Why Canadians Can’t Bike in the Winter (but Finnish People Can) – Youtube / Piped

Pogies/bar mitts are the way to go for winter riding.

On the bike I plan to use during the winter, I've got full fenders and a DIY fender extender on the front to keep crap from spraying my chain and bottom bracket.

It's a steel frame bike, so I've already internal coated it with rust protection; once my city drops salt on the ground, it'll get a wipe after every ride.

Other than that, Schwalbe Marathon GT 365 tires, with plans to get a spare front wheel mounted with a Schwalbe Marathon Winter Plus studded tire for when things get dicey.