I embrace winter in that I bike year around, as I can't do indoor biking. I do appreciate the change in scenery, and shorter rides. Sometimes I feel like I'm on the bike too many miles during the other 5-6 months of the year (Minnesota humor).

I do tire of the added logistics with clothing, and checking out routes, and anxiety about mechanical issues out on the road. I run Schwalbe Winter Marathons and have had a couple of flats from studs wearing through the casing into the tubes. The two different tire liners I tried work for preventing that. But, they don't like the cold and the edges chafe the tubes, causing flats themselves. So I run without liners, and get paranoid about those studs, even though I do check the tires periodically.

My limit is an hour out at -5F. I've tried colder, but, well, it just wasn't fun enough without yet another splurge on equipment which will in reality see little use. We don't have THAT many really cold days around here, and a forced break isn't always bad.