I live in North Carolina, where we have mild winters, and muggy summers. I prefer riding in the fall, winter, and spring. Cold temperatures, even below freezing don't bother me so much, as long as I cover my hands and ears. Since I ride primarily for commuting and in place of driving, comfort is particularly important. If I am worried I will show up soaked in sweat and stinky, I'll drive or ride the bus. Otherwise, its people powered all the way!
Edit: Where I live (Carrboro, NC) we have free buses, so if it is raining, I will take the bus. If we didn't have buses, I'd put mudguards on my bike instead.
__________________
|