Are you riding a dual sport down to St. Joes or something? I've never been so I don't know how it all works, but if I still had my xt225 I'd think about it. As for the recent weather, I probably would have ridden my bike to class (about a 40 min commute), but...
1. I had a recent get off and my finger/knee still hurt, and
2. I've been staying real late in the library because finals are in a few weeks and It's really cold at night
I do wish I had some dedicated winter gear, I just use my fall/spring stuff because I'm cheap. You should see what it looks like with electrical tape over all the vent's zippers, I do the same thing to my helmet!