I just like to think that I'm more "hardcore" (for lack of a better word) than all the other guys who are hanging their helmets up for the winter. Yeah, its a bit of snobbery, but it keeps me going. Last year I biked whenever the roads were clear, no matter what the temp. The lowest I remember was 17F and man that was VERY cold. This year studded tires are going to be used so even if the roads suck I can still bike in. I also am better equipped with clothing.