As always, everyone is different. I don't ride when there is slippery stuff on the pavement. I always pre-ride my usual route to ensure it's clear before taking the bike out on it. (who cares if some side road is covered in ice. I just don't ride on that road). But I haven't found my "Too Cold to Ride" temp yet. So far there's just the too slippery to ride, or need to carry stuff too big to ride, or need to take the cage to the shop so can't ride. But not yet too cold to ride. :grin:
My bike IS my transportation. It doesn't have to be but I choose it to be. Just like all of us chooses our primary mode of transportation. As such, I don't mind adding a few layers to my gear, and stay warmer and more comfortable on my bike than in my cage. I'm an old guy. Not as old as some, but not as young as most. So I want to ride all I can until I can't, then I'll try something else. But until then, I prefer to ride... regardless the temp.