Dry or humid climate - that makes a tremendous difference. I'm not in a climate where heat is a major issue most years - generally "too hot to ride" weather only would occur from mid-June to early September, and generally not more than a couple of days at a time. I could adapt to riding in dry heat, but add in high humidity (dewpoints over about 68 degrees F) and it's just too much. OTOH, it's "too cold to ride" and often too dangerous with ice and snow, for many people from late November - late March, and they often go inside on a trainer. Not exactly the same, but maybe that would be an option for you?