I live in San Francisco, it's winter here year round.
OK well I do hate riding in the rain, and rainy season has started. (I know how to ride wet I just hate wearing all the raingear and wiping my face shield off every 30 seconds.)
When it's cold I use a Widder electric vest. My friends made fun of it... until they tried it. Now they own vests too.
ivan
PS - I think the Black Panther will make riding wet roads fun. Wonder how the Metzelers are in the cold and wet?