I decided a couple weeks ago that this year, I wouldn't let myself get "burned out" on the cold weather, I'd set a cut-off and when it's below 25F, I wouldn't bike.

This morning it was 20F, with a stiff north wind (I head right into it). But driving is SO inconvenient!! So I bundled up as well as I can, and got on my bike anyway, saying, "My cut-off is 30 if it's raining/snowing, 20 if it's dry."

Next year I'll have proper cold & wet weather riding clothes. Even with oversize mittens over gloves over bike gloves, my fingers hurt. Even with 2 pairs of socks, my toes hurt.