I voted for sucking it up and riding in the cold anyway, and this is true. However, I will also hook my bike up to the trainer at least one night a week. I hate the trainer, riding indoors, and the gym, so if I can be outside I will.
SheFly
p.s.
I also cross-country and downhill ski, and on weekends, am usually *ahem* snowmobiling *ahem*.