>>>I just remembered this saying: "If it's not too cold for skiing, it's not too cold for cycling" <<<<

One last comment: I definitely do not hibernate all winter just because my bike is put away. Typically, I take a 2-mile walk around my town every night after dark. I particularly enjoy this walk right after a hefty snowstorm. Plus, I also walk to meetings of the many civic and business groups in which I am involved.

I think my distaste for cycling in the winter comes from having all that contact with cold metal. It's not like skiing in that, for me, I don't feel comfortable riding when I'm all wrapped up in thermal undies and a puffy down jacket. I also don't like riding with a full-face mask, as it screws up my visibility. I guess I'm just a wimp.