yeah, for me at least, there won't be such a temperature swing where it's still possible to rain, and then transition quickly enough to freeze that. I wouldn't be able to ride on ice on streets normally.

Offices make things easy: spare clothes, etc. It's going to other places where carrying all that extra stuff in adds up and could use some storage help.

Outdoor lockers don't seem to be coming any time soon, and costs would surely be enough to make you think twice about just not bringing stuff in. Have used those in trainstations/airports in Europe, but wouldn't regularly, only special situations.