I don't mind a bit of wind but once it goes over about 20mph I stay in. If it rains, while I'm out, I don't necessarily turn back unless it's torrential or I'm on my way back. If the weather is 3 degrees or above, I'll ride but maybe not at night I ride a bit slower though (anyone who's seen my Strava will wonder how I can ride slower, but I can and I do).
I am going to be 52 this year and starting to get a bit stiff. Too many broken bones from too many falls from horses over the years have not helped. I noticed my right knee ached a bit over the last couple of miles today. I can't afford a turbo, but would consider one if I could, for really bad days. I like to get outside really. Not feeling like a senior rider though. I'm still mid 20s, in my head.