It was 25 at my house in North Central Florida this morning. Still ride the 20 miles to work every day as long as it won't be raining and dark while I'm riding. On mornings like this I have to watch for road ice where the sprinklers have been running to keep the plants safe.
When I feel bad about the cold here, I remind myself about the winters on the ranch in Montana chopping holes in the stock dam with an ax so the cows can get water and start to feel wimpy.