Yes, I grew up in Northern MN and it gets very cold up there, typically 5-10 degrees cooler than the souther end of the state in the winter and probably 5 or so cooler on average during the summer. Not a huge deal but when it gets into mid to upper 80's or hotter here I sweat buckets. I can be two miles down the road and already get pretty sweaty.

I couldn't bike to work in the summer if I didn't have access to showers, baby wipes and the like just don't get it done for me.