rsbob 

25 years ago I used to bike commute all winter for fitness. Never really enjoyed it since I never was perfectly comfortable. Either too hot but mostly freezing fingers and toes, or that weird combination of being simultaneously hot and cold. After I stopped bike commuting I switched to running for winter fitness.

Now with COVID, I find cycling into the colder months a necessity to retain my sanity. Since we are going nowhere, riding gets me out and away from the house for longer than I would want to run. Yes it is still cold and sometimes wet, but at least now I can afford good quality technical gear which helps me better regulate my temp. And makes cycling far more comfortable. Never really enjoyed running, Anyway (sorry runners).