My year-round commuter is a road touring frame with fenders and panniers. I have a whole separate winter wardrobe, though: lots of warm layers, thin beanie under the helmet, fleece neck/face gaiter, ski gloves, winter-specific clipless shoes, etc. I'm curious to try pogies but can't justify the expense when my gloves work well enough.
As @[email protected] mentioned, the lack of decent infrastructure is a limiting factor for me. I don't ride on the road if there's ice and snow present because it's always slick, lumpy, and unpredictable. The nearby bike path is an improvement but it only gets me half way to my destination. I just expect to drive to work until road conditions improve.