I just don't like the discomfort with the humidity accompanying hot days here. Lucky me, I'm a night-owl and usually go to bed about 2:30am, so sometime after 10:00pm I'll put on my highway safety vest and roll out. Humidity doesn't drop that much, but temps do, quite a bit, and out where I live I pretty much have the roads all to myself, especially after midnight.
I went out for a ride last night, just half an hour. Air temps maybe middle 60s; I'm in shorts and a very well-ventilated shirt. Got home and brought my bike in the house--it's maybe in the upper 70s inside--and it felt like an oven; I had to go back outside and walk around a while to cool off.
I've also got a membership at a 24-hour fitness center for when it rains. Nice going there late at night, too; I don't have to wait to find equipment to use.