Here in Wisconsin we only have about 8 months max to ride. The trails I ride anyway. The other 4 months are for hunters, skiers, snowmobilers, and crazies. Below 50 degrees and I just can't stay warm enough to ride. Heck, it has to be 80+ just to get warm in 5 miles. At 65 I won't break a sweat even doing 50+ miles. I do this for fun, and it just ain't when it's below 50 degrees.
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"The difference between genius and stupidity is that genius has its limits."
-- Albert Einstein