I saw only 1 cyclist this morning, walking his/her bike over the Wells bridge sidewalk. No shame in that. (The plates are rideable, but I'm on 35mm tires.)
Anyway, the conditions to me were entirely tolerable! Lincoln to Wells to the loop was quite clear and not icy. I did change up what I wore in that I added another layer top & bottom (didn't need the add'l top), and I used a neck gaiter & goggles. I pulled the gaiter up over the lower rim of the goggles slightly in order to cover the tip of my nose. There was no exposure, and I did wear rain pants and jacket (just some kind of shell material, no liner).
One thing that was somewhat disconcerting was the fact that the gaiter really seemed to "remove" me from the environment. I couldn't hear as well, and I couldn't get any downward peripheral input - I couldn't see my front wheel - which added an element of faith to my steering and tracking around potholes, for instance.
Hats off to my work and riding colleague - he came in to the loop from Oak Park! We're starting the WTB 6-week maintenance class tonight, we need our bikes for it.
Finally, I was told this nugget once, and I think it's true: "there is no such thing as bad weather, only bad clothing choices."
Have fun out there!