I have "camped" in below zero weather. It requires a real knowledge, excellent equipment, and a high level of endurance. These days, I just don't cycle in anything colder than about 46F degrees (even though I have gear for colder). And I carry my cold weather gear with me when cycling in winter months.

And then in summer months.... I try to ride in the mornings on days where excessive heat warnings are issued. But an extra water bottle and cash for a iced drink and time in an AC environment... is nice to have along too. Just in case I get delayed.

I think. Just IMHO... sometimes the best prep is avoidance. My granddaughter had a wonder time cycling on her little trikes push bike the other day.... and we never left the sidewalk or got out of sight of the house. We didn't need to go far to have fun. But then again.... I RE-learned about cycling hazards just a few weeks ago. Even a casual urban ride with people and buildings everywhere can go sideways in an unexpected hale storm.

It's fine... when everything goes as planned. It's unexpected or unprepared for events. Or mistakes made that have to be compensated for on-the-fly.... that test us.