i rode in a blizzard and crashed twice. no damage to me or my ped. it was deep and nasty snow, so it was great to be out there.
but ... winter riding has its consequences ... the salt and ice really wrecks things. it destroyed my compression ... from which my bianch still hasn't recovered ... oy!
but riding in beyond sub-zero weather, all bundled up, when no one dares to get in their cars even ... that's so awesome! i would go to the university to teach and ride up to my classes looking like an eskimo. it was great.