[rdxm]

I think you'd be a little surprised. I have a friend in Chicago who's bike commuted year round now for decades.

That's anecdotal for sure but once you are acclimatized to winter I think the gating criteria is more around a secure place to park your bike during the day.

I have another work buddy in Minneapolis who sends me pictures of the temp guage on his Fat-Bike of like -20F training rides in Jan and Feb... yikes!!!!