I find that what bothers me is not just cold or just wet, but the combination cold & wet. Proper gear goes a long ways. But yeah, miserable is miserable. With any luck you'll still have a few good rides between now & springtime. Until then, maybe, some time on a trainer, generic spin class, cycling clinic with licensed coaches, etc...would at least help so you don't spend the next 4 or 5 months back on the bike trying to regain what you lost. Maybe your local cycling group or advocacy organization has weekend rides out to a countryside bakery or coffee shop.

Speed/cadence sensors and a used trainers are relatively inexpensive. Now might be a good time for that Powertap G3 wheel you've been coveting...Anyway, my point is winter doesn't have to be a reason for quitting cycling. Done right, it can be a great time to do focused training and carrying fitness to the next season.

Good Luck.