Ha-Ha!

Except for folks in the mid-west, who hasn't peed in the ocean, while on a family outing to the beach?

Back on topic: Yes, I have experienced the "Gotta Go" Problem. Aggravating, it is. (My best Yoda voice)

Solutions: If possible, try to know the locations of any porta-potties in the area. There are some behind the mini-stadium at Boston college
law school campus. They are there year round. I've made use of them. If they are locked, (sometimes) the woods further back do beckon.

Night riding: If you can find a nice quiet road after dark, do a quick traffic check. No traffic for the next minute or so? You're all set.
Warning here: Raccoons tend to become very upset when someone else uses their pee places.

I have noticed that as I age, the cold, say below 40, bothers me more than it once did. So, I keep my off-season rides short, usually
no more than 1.5 hours. I'm not a racer, so I'm not tied to any kind of training regimen.