As a post-menopausal woman, I'm finding the opposite. I don't tolerate heat and humidity very well at all. But give me the colder weather and I'm good! My ride today will be in the 20s. Not expected to get above freezing and it will be cloudy but not much wind. Over the years of hiking, running, and snowshoeing, I've built up a great collection of clothing that is multi purpose for dealing with the weather. I did invest in winter cycling boots last year which were well worth it for me. I also put bar mitts on my bikes. If I can keep my hands and feet comfortable, then the rest of me is no problem.