@chdot When I started cycling in 2006, I used to ride all through the winter, in ice and snow and freezing rain. For many years I managed without any mishaps, until the fateful morning of the black ice. It was 4C outside, so I didn't think there'd be any issues. I came off the bike 5 times on that ride to work, wrecking the derailleur, lights and my clothing (not to mention giving myself a substantial covering of deep bruises). I ended up walking the last mile to work (and even then I struggled to stay on my feet due to the iced paths), and I had to have the bike picked up and driven home as it was so damaged that it was unrideable.
The following year, I came off on ice going through chicanes near Craigleith, narrowly missing smacking my face off the metalwork and spraining my wrist.
After that, I decided that the increasing likelihood of much worse bodily damage was no longer worth the risk, so I've stop riding to work when there's a risk of ice. My bike doesn't have the clearance required to fit studded tyres, so I just sit out the worst of winter and stick to using the turbo indoors to stop myself getting rusty.