At first I thought I'd call this an Urban Assault Bike, but after doing some research, I've learned that a road bike is less than ideal for Urban assault style rides. So, henceforth the name.
I'm going to share with you just a few of the modifications, equipment, and clothing I use when I go for a ride, winter and summer. This is just a short intro, and there is no substitute for experience.
Calgary, Alberta, Canada has one of the most extensive cycling pathway systems in North America. I can get from my house in the 'burbs, to the downtown core, pretty much exclusively on the pathway system. Calgary is also the only city in Canada to have a Provincial Park within its city limits. Fish Creek Park spans the city east to west, and has excellent paved and dirt paths.
Probably not as difficult as an extreme rider would like, but not too bad for a good work out.
Step 1: Carry Yor Stuff
For winter use, I use a large sized day pack. It's a little less restrictive than a waist belt and with a pack, I can carry the extra winter stuff, such as a a spare dry layer, fire lighters, thermos, etc.