In response to Jenerators picture...Armwarmers???? Heck, I was thinking jacket!!! Looks like fun to me, but I would have to be dressed alot warmer.
I ride if the roads are dry and 100% sure there is no black ice that could potentially be hazardous. Other than that, if there's snow, I do outside activities. If there's no snow and just plain cold. I have a treadmill and an elliptical in a little cubby of the house that entertains me.