That’s what clothes are for! I live in northern Indiana and ride through most of the winter unless the road conditions feel unsafe. The trick is wearing a second inner layer (easy if you go to work in a collared shirt or fleece) as well as a leather jacket, gloves, and bar mitts (keeps the wind and the snow off your hands). In the spring and fall I keep a light jacket and gloves in my bag just in case it’s unusually cold that day for whatever reason.

That said, some biking to work is better than none!