As long as it's not too windy, I actually enjoy cold weather riding. It's exhilarating, the air is fresher. Less traffic, less people on the streets. The bike path is owned by the few who venture there. Not to mention when having to ride through bad neighborhood, less worry about the trouble-making teenagers who are nowhere to be seen. Just wrap enough warm clothing. There is no limit how much you can put on, is there?
But if it's windy, it sucks.