Although I would agree with that sentiment most of the time, I have ridden a few times when I later regretted it. My commute is fairly long, about 16 miles each way, which can take 50 minutes to 1:20 depending on the conditions. I have not yet encountered temperatures in NC that have been too cold for me, with coldest commutes in the mid-teens most winters. However, I have gotten caught in thunderstorms and other conditions that made me regret riding, such as:

- Heavy rains, winds and lightning associated with outer bands of hurricanes, tropical storms and plain old thunderstorms.
- Air pollution from large wildfires that caused heavy smoke and unhealthy conditions for riding.
- Extremely hot, humid weather with temperatures exceeding 100 F and the heat index more than 110.

Perhaps I'm more cautious than other dedicated bike commuters. However, I'm also 62 years old and have ridden 40+ years without any serious mishaps. One of my main reasons for riding is my health and well-being, and it doesn't make much sense to me to bike commute when weather conditions and other factors make it unsafe and/or unhealthy.