I have my own 2 "excuses" for not riding in cold weather: 1. I used to live in an area which was usually colder, and I'm not as acclimated to cold weather as I used to be and 2. that was 20 years ago, so my 20 year older body seems as if it's less tolerant of cold than it used to be.
I don't know if either is actually true, do know that I'm not a fan of riding in colder weather (45 F, give or take a few) is not too bad-depends on wind and humidity as well). You can call me a "fair weather rider" and I won't be insulted. I do feed a horse and make sure all is OK with him in whatever the weather is, do have the clothes suitable for whatever temp gets down to, just prefer to not bundle up for a bike ride.