The problem where I live is that when it gets cold and there's any precipitation we just get ice, so that the roads are very treacherous and running or skiing are not viable options either. It's been really bad this year, but it seems like we're finally getting a break going into next week and I'll finally get to ride my new bike again. I used to live in southern Michigan (Jackson), and was able to ride on the road in the winter as long as temps stayed above 20 degrees. Below that temperature, we'd ride our mountain bikes on snow covered trails, where speeds are lower so wind chill wasn't as bad and there was more shelter from the wind.