I haven't really found my 'limits' yet either. Since I didn't start riding until I moved here to NC where it's pretty mild, I haven't had much of a chance.

I won't ride in an ice storm, or in nasty lightning...or winds much above 25mph (if it can be avoided), but other than that, I'm game.

I regularly ride in temps above 100F degrees (and 99% humidity) in the summer here. In the winter, we haven't had snow yet (to speak of) but I've ridden a few rides below freezing and was quite comfortable. Like I mentioned above, it's quite mild here. I did grow up a nothern girl though...so I don't see cold temps holding me back should I ever encounter them! I've also had a few rides in torrential rains...not easy, but kind of a fun challenge!