It's not the cold so much for me, it's waking up before sunrise, and having to rush. I'm a huge believer in natural light and keying my body to solar and lunar rhythms, so it p*sses me off anyhow to have to choose between riding and natural awakening. And I just do not do being in a huge rush the second I wake up. Not when there's nothing enormous at stake, anyhow.

I don't like to ride in the wet, but that's true even when it's warm - yes it's freezing when it's cold and wet, but it's really the cleanup I mind the most anyhow. And as far as ice, I haven't ridden on ice since my second year in college when I hit black ice and wrapped my front wheel around my forks. No thanks.