I really don't have a cutoff temp and ride any day I have to get to work. My coldest ride though was -6 F with a wind chill of -30 F. This picture is not from my coldest ride ever, but this was the worst conditions ever. It was white out conditions and the truck you see tried to pass me about a mile back until he started sliding when he saw an oncoming care and tried to get back in behind me.

This picture was taken by someone who knew a co worker at my wife's work. When they sent it to my wife's co worker the guy said "look at this poor SOB", the worker said "I think I know who that is" and sent it to my wife. I really didn't have any problems for what it looks like, I have studded tires and they work good! I hope this goes through as its my first attempt at posting a picture on the forum.