I don't commute in temps under about 40, nor in rain, sleet, snow, nor the gloom of night. Well maybe at night going home. But there are a lot of days I don't ride anyways and I just pick the best days to ride in. If there is even a hint of rain coming I'll just pass and take the subway. And if it turns out to be nicer than expected I'll take a Citibike partway home.