I'm in Wisconsin and bike all year. I have a hybrid with studded tires (specifically Nokian) and an internal hub. I'd also like to get a fat bike for fresh/powd

I'm in Wisconsin and bike all year. I have a hybrid with studded tires (specifically Nokian) and an internal hub. I'd also like to get a fat bike for fresh/powdery snow, but it's rare that's a big deal. There's of course some trade-off between how much traction/stability your tires give you and how much friction & inertia you have to work against when pedaling. Some people have a few different winter options so they can select the bike that will be easiest to propel but still be able to handle the particular day's conditions. It's good to have warm clothes for your extremities, but your core gets surprisingly warm when you bike with any kind of coat on. I often just wear a think goretex jacket till it's in the single digits fahrenheit. I wear winter boots, warm gloves or mittens (depending on how cold it is), and a balaclava or gaiter. Also ski goggles for really cold/windy weather. If you don't start off feeling somewhat cold, you've overdressed.