You don't mention where you live. It makes a difference.

If you live in Florida, you might be riding a lot in the winter. And in Australia, "winter" is our "summer". There's a place in your profile where you can fill it in once and not worry about it again.
I've commuted down to the mid-teens, and when I did that, I was doing so without any electric heated gear. There's some ways to do so without spending a lot. But your location will make a difference.
One of the things you can do now, is to analyze your commuting route. Look for the places where leaves will accumulate. Where are the metal manhole covers? Where will water accumulate...and freeze?
The last turn to work had two metal manhole covers in the apex of the turn. You had to aim between them to make the turn when they were wet. Rather than try remembering that when it was raining and cold, I rode to miss those in the summer too. It became ingrained muscle-memory so if my concentration slipped for a second, chances are that I would make the turn correctly.
Long after the main roads and freeways were dry, water accumulated in one spot under a bridge. Tires going through it, would spread that water out for 10-15 feet after the puddle. When the temps dipped to freezing, the rest of the commute was dry...but that one place would be icy. The answer was to move over one lane...and do that day after day.
In other words, identify those hazardous areas and ride today like you would in the winter.
When you share where you live, I can offer you more ideas for clothing and gear.
Chris