Very true. I find cold rain pretty miserable. Maybe I wear glasses and they get covered in rain, or maybe because we don't get enough days with cold rain here (October and November and then it's gone) and I never get the right combination of clothes...

Though I haven't ridden in snow in a couple of years... But (and maybe it's just because I rode with relatively narrow slick tires) I remember it felt like surfing or some balance intensive activity. I could feel the bike constantly shifting under me and I'd have to shift around to balance. Definitely fun. But when there were a couple of inches, I would be tossing and turning all night

I'll see how it goes this year...