YMMV. I live in Finland, and I ride a bike almost every day of the year. Last winter the temperatures went below -20˚C and I still took the bike, and enjoyed it

YMMV. I live in Finland, and I ride a bike almost every day of the year. Last winter the temperatures went below -20˚C and I still took the bike, and enjoyed it. Granted there are maybe three months a year when it takes dedication. And yes you do need a shower unless you have an electric bike.