It's winter in Chicago. In other words, "brr". (Interestingly, it's been strangely warm here over the past month). But, that doesn't stop me from riding. I dress in layers, and go have some fun. About 70% street / 30% dirt. Yeah, it's a little cold, but I like riding too much to winterize my bike. I just don't go on long rides below about 40 degrees F, and I do admit that once it drops below 20-25 F I do cut it short. Of course, snow on the roads keeps me in. What about you?