I avoid this issue by choosing to live where cold rarely happens. Sure, we have the occasional dusting of snow and a few days each year with some ice on the valley roads (and twenty or so with ice in the local hills). I'll ride at any temperature as long as the roads aren't icy. Hereabouts, that means I'll ride once in a while with temperatures in the 20s F and once a decade in the teens. However, low temperatures do restrict where I ride since I hate coming over a climb to find an icy descent.