>>Not yet snow but max day temperatures 10-12c` and night -2-(+5c). In the morning can be "black ice".<<
Well, everyone has their limits. I have ridden, regularly sometimes, in ~-7°c weather. There's always the risk of ice, and I've hit little spots here and there, but I generally keep to well-trafficked roads. For the most part, roads are fairly clear here in the New York City area during wintertime, so I can "get away" with it.