I'm blessed to live in the Pacific Northwet. We have both mountains and lowlands leading out to the ocean. In the summer, I'll ride the mountain roads till they start sanding and the snow starts. When the snows start, I turn my head to the ocean beaches.
As
@the Ferret said, there's ways to ride in the winter. It just takes some planning. I'll commute in the winter, because I'm riding the same roads, day after day. Joy rides...eh, not so much. When you ride day after day on the same roads, you learn where the water collects that'll turn to ice when it gets cold enough. Joy rides are on roads you're not as familiar with and that can lead to losing traction.
When you think about it, cold weather riding is not much different than the rest of the year. Like the Ferret, I wear a heated jacket liner and heated gloves. Handlebar muffs are great. The "secret" is to eliminate any place that lets cold air in...including inside the handlebar muffs. A neck gaiter feels like it adds 15 degrees of riding comfort.
I've ridden down to 16F on my commute, but I didn't do it blindly. I have a friend who decided to ride in marginal conditions, well because Chris does it. He didn't do it smart though. He dropped his bike three times...lots of plastic damaged on both sides of the bike...and broke his ankle. All within three blocks of his house.
Chris