I ride all year round - I enjoy it whatever the weather.
The right clothing makes a big difference!

I am 'as hard as nails' in relation to the weather as I used to work outdoors in all weathers knocking trees down e.t.c. - I have been out all day at -5 on my own in the middle of a forest and you learn that the right clothing is essential to survival.

You will find that if you keep your core warm your extremities will remain bareable