Well, I do not have a physical reason such as what you have that understandably, hampers my riding plans in cooler temps. I'm sure you'll get answers across the spectrum to your question just b/c one person differs from the next on just about anything. Me? Can't say that cooler temps discourage me but I definitely prefer warm weather (just bibshorts and SS jersey) to ride but I do ride all thru winter, into the teens. That's just who I am. Everybody's different and I respect that.