Ugh, I'll ride into quite cold temps but cold rain is a big turnoff. Lately, in fact, I've wussed out and rarely ride in any rain but that's mostly b/c I don't like to clean the bike after the ride. Anyway, I've never been a fan of cold rain. I don't believe there's a truly waterproof option for hands and feet -- a dealbreaker for me as my extremities easily get cold.