I think it's time to define ''cold weather''.
If what I wear keeps me comfy, not a little cold, but nice and warm, in 5c in rain, all day, then I'm satisfied.
Most of us can stand to feel cold for a short time, and it does not feel that cold either for one hour.
But if you ride all day, and you are getting tired and hungry, and ot rains, then you need better clothes to feel nice and warm.
I'm wearing wool next to my skin, different types of cotton/wool clothes between my riding suit and the wool, and electric heated west, gloves and socks, and two windstoppers for my neck, and wather proof boots. And a Shubert helmet.
If I feel cold in all my gear, then it's ice on the road, and I do not ride on ice, snow or salt.
And I ride a naked bike, the Scarver.
I have friends who are wearing less then mentioned above when they are riding in the cold, in snow, and camp outside in February, at Primustreffet.
I guess you can say I freeze easily, and they do not. Most of us are normal!

Liv.