cyclomath, where are you? Is that kind of weather unusual in your area? If you're interested, you can toughen yourself up to wintery weather, for whatever you find to be wintery. There is a winter cycling section of bikeforums where we share tips and stories. I rarely enjoy cold weather cycling as much as warm weather cycling, but I prefer cold weather cycling to not cycling at all. And sometimes when things are tough, I get a nice feeling of triumph when a ride is over.

I find that when the temperature is below 50ºF (10ºC), I need full fingered gloves. In fact, one tip I learned from that winter section is to keep a spreadsheet so I can recall what works in which conditions. I don't use it often, but using it occasionally helps when the season changes. I record date, the conditions, what I wore, and how well it worked.