I have a very strong dislike for being wet, so rain is a good way to ruin my outdoors time. On the other hand, I don't mind cold, especially if I'm working a bit. Back in my college days I used to ride year-round, as it was as quick on campus as a car and far easier to find parking. However, breathing cold air seems to have taken it's toll on my lungs and I seem to get chest colds much more easily these days, so if it's below freezing I don't ride.
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