I would much rather ride in heat and sweat like pig then to ride in the cold and can't get warm enough...god forbid I get a flat when it's cold! I use to live in the Mojave Desert of California and rode my bike in 110 degree weather, but I moved to NE Indiana and I can't stand riding when it gets below 40 not alone in the teens and 20's that gets here all the time in the winter.
But everyone is different, I know a guy who just loves to ride when it's any temperature below freezing, he's ridden in minus zone quite frequently.