I've only been riding for a year and last winter (if you want to call it that in Florida), I only rode about 5 times between December and February. It's not that I don't like it, i just don't have the clothes! As a new rider, getting all the gear really cleaned out my account. Then to buy tights, long sleeved jerseys (that I only need 3 months out of the year), full finger gloves, etc....? This year, however, I'm ready to continue training throughout the cold months. I can't imagine giving up riding for 3 months again--it's my lifeline to sanity. Particularly through the holidays.