I live in Boston and for years I’d bike for as long into the winter as I felt comfortable. And every year around November or December, I’d hang up my helmet and start taking the T until March or April. My situation changed a few years ago and I didn’t have the T to fall back on. So I manned up and pushed through the winter. It wasn’t pleasant or easy and there was still some learning, but I did it. The point is, temperature and precipitation are real.