With it getting cold outside, it can be hard to find the motivation to get on the bike. The first few miles can (and should) be a bit chilly - if they're not, then you're going to get too warm later on.
Yesterday, expecting a really cold ride in and home (it wasn't that bad, not as cold as this morning), I wore some shoe covers. They really did make a big difference in keeping the toes warm.
For those that are interested, I run a low-end Shimano SPD pedal on all of my bikes, and use the cheapest Shimano shoes that I could find at the time (they're close to two years old) with them. SPD shoes are nice because you can walk in them and not look like a penguin (as my other road-riding friends do), or not slip and fall on your keister on smooth surfaces such as tile floors.
With these, I wear lightweight socks in the summer, or a heavier DeFeet Blaze sock (no, not the pink ones, for those of you who clicked on the link!) this time of year. The socks really help, but I have found my toes getting a little frosty the last few days. Hence, the shoe covers.
My wife and my office-mates think I'm nuts for riding this time of year. Evidently, most of Bakersfield agrees. Riding home from work last night (around 6pm), I went past 5 people total: one jogger (who was wearing reflective apparel... A light still would have been good, but thank you for making yourself visible!), three female walkers (nothing reflective, hard to see, not paying attention to anyone else out there - c'mon ladies, get a clue before someone accidentally runs into you!), and one teen-aged dude on a scooter (yellow hooded sweatshirt, looked like he was having a cold and miserable time).
But, that's part of the beauty of being on the bike this time of year - it's a good opportunity to wind down and relax a bit on my commute home. Plus, I'm saving money on gas, helping our air quality, and improving my health / quality of life.
I'm still learning about what works and what doesn't for certain temperatures. (Fortunately, I have not yet had to battle the cold + the rain). To make sure I don't completely freeze, I carry two extra jackets (one is a rain jacket, the other a polypro zip-up jacket) and a pair of arm warmers (haven't needed these yet). At any rate, I guess my point is that if you really want to get out there and exercise, you'll make it a priority and figure out a way.
I hope you'll do so.