Lisa,
we have this weather, and it can happen anytime from November until July (I Kid you not) where it is DARK and rainy and cold. Granted, cold in January isn't the same as cold in July, but... our cold in July can be in the high 40's, low 50's.
The cloud layer is about 5 miles thick, and I don't care how much wool and
fancy bike gear you wear, it's very hard to leave your warm dry house
and go for a bike ride when the little cold water particles get you instantly wet as you go out to your car. Add a little wind to this mix and you might as well just go back to bed.

and then I do NOT want to ride.