suppose it depends on the bike and tyres but broken collars bones, broken elbows, broken hips, more punctures that you have to deal with in the cold, numpty drivers who haven't cleared their screens, grit being bad for the bike.
Call me a wimp, but my road bike is now on the turbo, and half hour a day with the ipod should see me not lose too much fitness over the worst of the winter.
I just got a cheap turbo off
ebay and paid £20 quid for it. I rather be bored for 1/2 hour a day on that, than be off the bike for 6 weeks with a broken collar bone and in all that pain. Especially as my mum is going on holiday for 8 weeks to the other side of the world and i will have no one to help me to the loo!
having said that, now seriously kicking myself that i didn't opt for the cyclescheme this year and get a mountain bike so i could go out in the snow.