I'm not sure if this is what you are looking for, but I'm in SE Florida. So I don't have significant cold issues, but electrical rain storms are a factor for me. I always say there are two things that prevent me from riding (either for exercise or commuting): lightening and wind greater than 25 mph. I'll ride in the rain all day, but I'll duck for cover the minute there are lightening strikes within 10 or 15 seconds (2-3 miles).