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I will ride if the temp is above 40 and no snow nor ice on the roads. I would go if it was colder but my only cold weather gear is a hoodie, my leather jacket, and 2 pairs of thick pants, and fingered gloves (I go fingerless in warm weather). In the last 10 months, the only time I didn't ride was from late Jan to early march because of the bitter cold (most of my riding is between 8pm and noon) and threats of snow/rain.
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