I got off the bike when the temps hit -7C and I only used my IGH bike as soon as October hit..so from i'd say Jan-Feb no bike riding (hit the pool instead). March i was back on as soon as we got some -5C and up days.. two months out of 12..that's not really that bad! Fortunately Toronto and area has pretty good public transit, with trains to outlaying areas..it definitely is starting to feel more European here compared to many North American cities (that's a good thing