I stopped riding when the temps dipped below 50 degrees. Yesterday, the thermometer on my car was displaying 17 when I saw a guy, probably in his 70's, well-dressed but not for the weather, on a nice bike, just reaching the top of a huge hill in Syosset. The guy was wearing dress slacks and a light jacket and didn't even have gloves on. He didn't appear to be the stereotype of homelessness or anything, and I didn't get from the grin on his face that he "needed" to be on the bike in that temperature. My only thought is that he had to drop his car somewhere and didn't have someone to drive him home.
Bottom line: This guy is my hero, though he made me feel really inadequate. Tons of power to all of you who are out there in this. I am not worthy.