How cold is too cold?

[Popoki_Nui]

Here in Perth, i cycle in our "winter" when temps only drop to 3 or 5C. That's not cold!!!

It gets down to 3-5C in Perth? I didn't realize the temps went that low there; that isn't much different than here.

Around here, for me it isn't "how cold is too cold" so much as it is "how wet is too wet". Cold (winter daytime high temps around 5-8C) is quite ok, but the rain kills any enthusiasm I have to ride outdoors. Occasional showers? Fine. Light on-and-off drizzle? Acceptable. Torrential downpour (like from November to February)? Forget it.