While I am sure nobody here will consider my mild northern CA winter a real winter, I did ride in below freezing temps a few times. The main thing I learned is I can ride when its cold if I dress right. I also learned its easy to overheat if you overdress and/or ride to hard. I also tried riding one time on a cold windy day in Lake Tahoe and was probably not properly dressed for the weather - this experience helped reinforce my respect for those of you who ride through harsh winters. Maybe next winter I will try that again with better gear.