Yeah, the unplowed line by the side of road, under the ice and snow, forcing me to ride too far into the lane, constantly worrying about jerks who will pass with an impatient acceleration and less than 2 foots' clearance... That keeps me local, more than anything else.

Otherwise I have clothes and boots and gloves good enough for down to about -25° C. And while I do not feel like I could currently manage prolonged -30° C (before wind chill), that would be remedied, easily enough, by nicer pair of boots. It is all down to the clothes, I think.

The funny bit, however, is that because I own decent enough face and hand wind protection, and plenty of woolen hats, shirts, tights and socks, with good studded tires to boot, but do not own any proper rain gear, I would much rather do sunny and snowy -20°C than near-freezing rainy.