So you're asking more about clothing / gear than bike setup? Because a rear fender if not a front will help you a lot with slush being slung around. So for clothes, here's what I like (for what that’s worth):
OVERALL THING TO REMEMBERYou will start out cold, then get very hot and sweat. So everything needs flaps and pit zips and breathability. You'll be dressing in a way that would be a little too cold if you were standing around, but will be just right after 5 -10 mins of pedaling. Nothing that locks you in and cannot be opened up to breathe. Also most of my bike riding apparel is either A) not “apparel” but like regular clothes and stuff, or B) motorcycle gear like gloves and boots and a neck dickie. Also, don’t spend money. RARELY do you truly need something bike-specific to ride a bike around in the city. But people will gladly take your money by specializing something for the task and marketing it as such. Just dress like you’re going for a walk, but go 1 layer lighter on your body core with lots of flaps and zippers, and have GOOD cover for your hands.
HeadI have a version of
this guy from like 8 years ago, probably its great-great grandaddy. Similar though. The things I like about it are 1) that it fits under my bike helmet (when I remove the helmet's snap-in liner), 2) it has a brim to keep the sun out of my eyes (which is a big deal), and 3) it can go from “too warm” to “just right” by lowering or raising those giant flaps. There are smaller options with just triangle flaps over the ears, which is fine, but this guy can loop under your chin and cover your neck when you’re REALLY cold, and then in ten minutes when you’ve warmed up, just undo it and the flaps open up out of the way to let your throat get some cold air. **Most people wear something thinner than this, but my ears get COLD and it’s hard to warm them back up so this guy works for me. Minimum = get something that is thin and goes under a bike helmet, something NOT woven and wooly because your helmet may have exposed male velcro once you remove a lining. Velcro snags and tears wooly stuff.
When it’s in the 30’s or lower I also use one of
these, ALMOST… mine is older and has a zipper… very important to be able to open it up after you get hot! Shit, now I can’t find one anywhere that has a zipper. I’d take something to cover your throat for sure when it’s cold, but you need to be able to open it up or take it off easily. Damn. Also, you will see some other ones that cover your whole head, and you’ll look outside at the snow and think it sounds like a better idea. Some people like them – a thin silk layer from your shoulders up over your head may be ok. I just like being able to open it up or take pieces off, and with a 1-piece that’s hard.
HandsSki-grade mittens are great. You don’t need your individual fingers, and keeping them all together is always warmer. Waterproof is a huge plus.
LegsSo if you’re cruising around the city, and it’s dry out, I wouldn’t wear anything more than long underwear and carhartts or jeans. As long as you can bend your knees, you’re set. If it’s slushy and shitty out, then I would wear some slip-over rain pants (about $90 from REI) and forego the long underwear, because 3 layers will be HOT unless it’s like 15 out. A longjohn bib thing is great when you aren’t moving around much but when you’re biking for 30+ mins, you’re gonna get hot enough to not really need it. And like I said above, I’d be afraid of overheating in a thick long bib setup… what are you gonna do if you get hot, take off the top half and let it flap? You’re kinda locked in.
FeetHiking boots. I don’t really need to flex my ankle much to ride a bike, donno about you. If you’ve got some good boots broken in well (and you seem like the kind of guy who might) then you’re set. Again, waterproof is a BIG plus. Warmth first… feet and hands suffer most.
CoreI haven’t found anything perfect for me yet. An REI ski jacket (fleece liner, waterproof breathable outter) is ok at first but can get too hot, or on the flipside it can be too loose and let drafts up and inside it. Ski gear tends to be puffy… bike gear tends to be tighter, for a good reason. So a good setup for 35 degrees might be: T shirt, light sweater, and a wind-proof tight fitting rain jacket that comes down just past your belt. Not a super-thin rain shell, but like a “technical” jacket like
this guy, which has pit zips. Pit zips are a huge plus.