[sheepdestroyer]

In winter put a jacket and gloves. When riding, own temp rises fast.

In general, exercise like riding a bike will get you less physical problems in the long run. Some anecdotal data points :

- Here in Japan, bicycles are hugely used by elderly, with health benefits. My karate teacher, 80 this year, does his daily shopping this way (he is also hiking up mountains 2~3 times a week).

- My "elderly" relatives (65yo couple) ride at least 40Km every day since retired, actually are in better shape now.

- I also guide people in a touristic area, and regularly had foreign >70yo clients joining bike tours (in winter too). Granted they were regular riders already.

Maybe you don't enjoy riding personally but you should not dismiss it so easily (nor attributing stupidity) as it often is the superior transportation system (even in winter, provided that you are not under heavy snow of course).