bodily adapt to the weather- yes. Self-imposed rules when to not commute - no. I've driven in two days in the last 5 years, and both of those were on a whim on Jan 1, kind of an anti-new years resolution.

Having lived in your general area, I can say that your weather can get more extreme than here even though on paper it looks pretty similar. I wasn't riding then, it was all motorcycle ... Tornado weather would likely be my limit.