I kind of like riding in cold temps, even into the teens, with wind. Sure, warm weather riding is my preference! I think, what it is, is that I get satisfaction out of CONQUERING the elements with my arsenal of riding apparel. Anyway, getting on the bike when it's cold, or windy, or windy AND cold is what I call LIVING. I feel like, why not, life is too short to make an excuse, I owe it to myself. I try to find beauty in many things in life. Some of the nice quiet country roads I ride are just as beautiful in the dead of winter as they are to me in Fall or summer. Problems with very cold temps is that the rides have to be shorter due to fingers/toes starting to get too cold after a while; also, exposed fingers while changing a flat tire.