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I figured out a couple years ago that i needed to keep riding to work even in the dead of winter because the longer i was away from it, the harder it was to get back on the bike.
In December and...

I am very lucky, I work downhill from my home. So I rarely break a sweat on my way in. However, depending on the season,I carry rain pants and a rain coat in my Ortlieb panniers. They are not cheap....