I LOVE MY GERBINGS!! I paid for them (well I'm still paying for them) but I have NO regrets! I'm in St. Louis, MO and I have never parked my bike because it was TOO cold. I ride daily, and the coldest I have ridden was 9 degrees. I have a 45 mile commute on the interstate. I have followed that adventure thread, and quickly doubted my skills, as well as my patience. Good luck if you go that route, there's nothing like the heat!
I do run lower tire pressure, I keep mine around 40 psi. Generally a little lower. I DON'T ride as agressively in the winter months as I do in the summer months. There are too many unpredictables. But I couldn't bring myself to park it!