In time, you will learn your tolerance points. It's good you started out at this time of year so weather won't be much of a challenge for a while.

I've been riding a fair bit for many years. You can imagine I've ridden in some awful conditions that I would never recommend. But some conditions are really tolerable. And there are more times when I decided against it and regretted not riding than times that I rode and then regretted it. I mean, sometimes I get cold or wet, but there was at least something enjoyable about it. My commuting route is. mostly along a river path. The Hudson River is over a mile wide! It's a very welcome respite in a dense, loud, smelly city. Sometimes I'm on the path in the heavy rain, and yes, I'm wet, and I might be cold, but it keeps a lot of cyclists away, so I have it mostly to myself. That's a rare treat on this path, because it's very heavily used at other times. And the views are almost always inspiring. And on days when the cold is very painful, I can still feel triumphant that, HEY, I did it!

And one day, you'll be out there, and it will rain unexpectedly. And it might be OK or even nice. On hot summer days, it can be downright pleasant.