I think you might hook a few more. I know that my limits are rain, snow, ice, and temps below 35 F. If I had a short commute, I might be able to ride down to 30, as I have the gear. I think that Voodoo Sally said it best on another thread. Once the roads around here get snow on them, there is a lot of junk on the side of the road; sand, salt, snow/ice piles that make riding dangerous and difficult. People do it, but to me, it's not worth it. If there's a day in the high 30s or the 40s, I might go out and ride my mountain bike on the road, or even my hybrid for a spin, but I actually look forward to having a break from riding, to concentrate on x country skiing and snow shoeing.