I live in Utah, which has cold winters and a lot of snow because of the elevation. When it gets down below 0 I just can't get myself to go out, but the rest of the time I ride to work. I wholeheartedly recommend it. For me it started out as a way to save some money and it turned into a passion. I like to think that I'm extending my life by 10+ years.

Eventually I sold my car, and we're a one-car family. I ride every day to and from work and don't regret it. By the way, I paid for my bike and all the cold weather gear I bought in the first year (just from savings from insurance and gas).