I enjoy riding in the cold, occasionally. I find it quite invigorating. I am talking about down to the high 20's F. Here on Delmarva, it is not that often that the daytime temperature stays below 20. I have lived here for 46 years, I probably have not seen below zero more than a dozen times, with the coldest being -7 F. That extreme usually does not last more than a day or two. When the wind is really blowing, like above 15mph, even in the low 40's, I am likely not going to ride. Much more likely to go for a walk in one of the park/refuges that are near me.