With dark coming as early as five, lights are especially important; you're invisible without them, and you must be visible to be safe.
You may just want to walk on days when roads aren't clear. Fortunately, this is usually only right after a big storm.
don't dress too warmly; dress in thin layers you can easily remove, jackets with zippers you can adjust, etc. If you're a little cold when you leave the house you may be about the right temperature after riding a few minutes.
underwear made out of "wicking" material (not cotton) helps draw moisture away from your skin