I do more miles commuting (100 a week) than the rest put together.
I'm now totally sorted for absolutely anything on the ride:
- Bike with mudguards
- Top quality light set, plus backups, plus helmet lights just to be sure
- New waterproof for this year - best I've ever had
- Ice spiker tyres for the MTB so I can switch to that and continue regardless of conditions
- Overshoes large enough for my size 50 SPD shoes
- Liner, crab claw and then electrically heated liner gloves as temperatures drop to overcome Reynauds
In the depths of winter, I do almost no miles except the commute, but I didn't miss a single day for weather last winter.