Like many others have said, if it's just the sniffles and I feel pretty ok, then I'll ride.
But I had an unpleasant cold from Monday through Wednesday, so I bit the bullet and drove. Tried to take it easy and get to bed early to maximize my resting. I felt well enough to commute Thursday and Friday, and it was glorious.
And if I have aches and fever, such as the flu, then I am staying home. And a few weeks ago I was afraid I was getting a stomach virus, so I called an Uber home. But that was the first time in 3 years of commuting that I couldn't ride home due to illness. My bike is in a secure room at my work, so I feel ok about leaving it there if I have to.