My favorite temp. to cycle in is between 55 and 75. That said, I also ride when it's 95 or 42... The heat/humidity index and air quality affect me a lot. I really prefer the cooler side of warm, but in New England, you have it all. If I'm riding a long ride, more than 30 miles and it's really hot, I use a camelbak. I'm also wearing sleeveless jerseys more frequently. I sweat a lot, it doesn't bother me, but I don't look nice when I am done with a ride. If it's going to be in the high 80's or 90's and it's humid, I ride very early in the morning or I take a day off and go to the gym. I used to live in Tempe and I don't know how you guys ride there!! I would walk sometimes at 5 AM, but basically i did all of my exercise indoors during those months. Just thinking about monsoons makes me sweat. I have acquired lots of clothing to ride in the fall/early spring comfortably; booties, head covers, 2 types of gloves, thermal jerseys, and a good jacket. Last year I rode to the end of November and started again around March 15th. The year before that, it was March 5th. It depends on the state of the roads and snow. I tend to go slower when it is cold, like in the 40's, but I am usually happy just to be out. I don't ride in the real winter... to me that would be torture. It's really only 3 months totally off and i do other sports then.