When the boots start to fill with water, hail, temps below 32 (if I can help it - sometimes temps would fall while out riding, can go into high twenties for a while), snow, ice.

When I was in Little Rock these were kind of the rules for me. The bike never really got put up, but it saw some extended periods without being ridden. Maybe a month or two during the worst of the winter. But even then, if it was dry and above 32 I would try and get out for a least little while as often as I could.

I knew I could go colder but wasn't equipped. This was just with a good set of insulated gloves and a cold weather riding jacket.

Mr Tidy (riding buddy) used to go much colder. I caught him out a couple times down into the teens as long as it was dry (so no ice). I think he might have thought I was kind of wimpy sometimes

Now I'm CA and none of this is really an issue any more.

Gram