So, what does it take to get you off your bike? Is a drizzle enough, or does it take a blizzard?
I personally don't mind the cold. In fact, I try to avoid riding in the sun during a heat wave (maybe I should get a
solar sombrero?). I once read that it's never too cold to get on your bike, you just might be inadequately dressed. I would add one exception: when it's so cold that the grease in your bearings and chain freezes. When it gets really cold (below -15°C/5°F) I do have to remember to loosen up my brake and derailleur cables because of how they tend to shrink.
As for rain, I don't especially like it, but I don't panically try to avoid it. I'll be even less of a problem when I get some waterproof booties.
Now snow is a different story... If there isn't much of it, or if it's packed, then I have no problem with it (exept for being a little more careful and slower). I do avoid deep snow or ice, though. And I hate it when the roads get salted
Not only does the slush clog my rear gears, but also the chain has to be replaced in the spring because of corrosion.