Yup, cold, snow, hills (glacial moraines) but generally well plowed streets. Just gotta wait for the slush to dry up, then, I'm out. Being retired, it isusually for a cup of coffee and a bagel. SLA batts hate the cold, X5 doesn't care, until Spring, what's the choice? Elements? I have a fully faired delta trike, open on the bottom for my big feet and openings on the side for sharp turns, but better than sitting exposed. Warm clothes and lots of hard pedaling do keep me warm, but I know it's not as cold here as in Alberta, nor as much snow. Could be worse, though, couldn't it?