This. I’ve ridden a bike year round in southwestern Ontario.
In general, I’m fairly waterproof.
-30C was pretty cold, especially moving, but rare enough I could dress for it and keep my body parts.
Snowstorms are always fun. Free physics lessons included. How much traction can you get? Whoops, I’m laying on the ground.
Thunderstorms and hail you might want to avoid.
What do you do for your hands and feet especially, and if you wear glasses, the inevitable frosting of them. Heck, if you don't wear glasses, what do you do for windburn?
I've biked as low as about -15C, though it's much more comfortable keeping it above -10 -- -5 or so.