Welcome to TE, and I am also in Indianapolis. It is certainly possible to ride in colder temps as Indysteel mentioned, but it does take an investment in the right clothing/gear. Some people can ride in colder temps than others before needing the warmer clothes, I am not one of them

I just purchased an indoor trainer so I will have more options later in the winter than the 2 weekly spinning classes I take in the winter time. Spinning class is good, but it is short. Frankly I do not like to ride indoors at all, but I would like to maintain my fitness and, perhaps, improve it by spring. I need to ride more than 2 hours a week this winter in order to do that, hence the trainer. I also do strength training and use the Arc Trainer at my gym, but I like being able to do something at home when it is too cold to ride outside.

Eagle Creek Park is another good place to ride when it is cold/windy. Most of the roads there are at least partially protected from the wind and is my go-to place to ride when it is either very hot or overly windy. I love my open corn fields to ride in but the wind does pick up there...