Thx for the insight. I hadn't really thought about the limited daylight.

Since I've missed the season and biz obligations will tie me up for anything other than day rides thru November i was trying to figure out whether just to plan a tour locally, tough it out, or travel to warmer climate and go from there. Or, maybe do the GAP, something along those lines.

My thinking was that i could gear up for what it would cost to get me and the bike to a warmer spot in the country or on the globe.

Though I ride in the winter, those are fitness rides or mountain biking. On really cold days i'm only out for two or three hours. Big difference between two or three hours and 24, 48, 72, 96.

The credit card tour is a great idea!

More thoughts? keep'em coming!