I learned that I'm capable of riding to work in single digit temps. I also learned that having dry layers at work is nice for the trip back home. I learned that I didn't save any money by commuting by bike. Any potential savings was quickly sent off to pay of better layers to keep me warm and dry. Next year I might break even. I also learned that you can't clean and lube your chain enough when ridding in slop. Finally, I learned that if I have to live in a place with cold, wet, and snowy winters upon retirement, it's not the end of the world. Although it's a damn sight closer than I really want.