Originally Posted by tjspiel

A lot of it is having the right clothing and equipment. Some of it is psychological and I think part of it is what you're acclimated to. 70° can fill chilly to me during the summer. And then there's time and distance. What works for 30 minutes may not for 60.

I think -22 °F is the coldest I've ridden in, but I have clothing that will work in those temps. In any given winter I expect that there will be quite a few mornings with temps below zero. If it gets below zero where you live maybe once or twice a year (or less) then it doesn't make much sense to spend money on stuff that will allow you to ride in that weather.

Snow storms are the same thing. We might get one or two storms a year where the snow will pile up 5 inches or more between the times the plows will pass through. Those are the days I can't ride depending on how messed up the snow is. Maybe there's some combination of bike and tires out there that would let me ride faster than jogging in those conditions but I'm not willing to spend the money on them.