I for one prefer riding in the cold (no more than freezing though) and I have no problem dealing with the wind. I kinda look at it as a challenge. Especially when the wind is a good 20-25mph. Sure did make some of my climbing tough the other day.

I really don't mind the rain, but it makes your bike and you filthy. Coupled with cold or wind it becomes miserable...for me. It seems to kick in the arthritis pain, so I try to avoid the wet.

I have recently purchased new cold weather gear, and decided to ride to work last Friday when the temp was 29 in the morning. I did okay for the most part, but I was a little achy that night. I had a cramp in my right hamstring but after drinking a lot of water and eating some e-caps it went away.