One awesome item if you ski or snowboard (even if not) is an all season helmet. They have removable ear flaps and vent covers so you can wear the same helmet winter or summer for biking/snowboarding/skiing.
I'm going to go grab some studded tires right now. I've never tried them, but I figure if they save me a broken bone it's worth it. I ride on some hilly streets that aren't plowed so they can get rutted pretty good.
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