Finland here; I used to push the bike season to the max, one year I rode still in the first week of December (nice day for a 130 km trip one way, but the ride back in the dark with icing rain on goggles and nothing to wipe them with was the worst time I ever had on a bike) and started in March (my only time falling on a bike, on black ice)...

Now I'm content bringing my baby inside to the comfort of the house when it first starts pushing toward 0 °C over nights, doing maintenance and maybe putting on a coat of wax. Building up the urge to fly again next spring. To everything there is a season :)