I ride year round in Central Indiana.
Have full set of heated gear which keep me warm all the way down to 20 degrees at 70 mph on the highway.
Since I have an office at work, I change into work attire there then back when I leave in evening. 22 miles one way to work so even if heated gear failed its not the end of the world.
As long as there is no snow or ice, I'll ride. Thus, I normally pull an additional 20 days between now and April. We have an average of 26 inches of snow per year here, usually coming in a couple of big storms, then little ones. Weather always seems to warm up just enough in between to melt the snow for a few days at least making riding excellent.
I have 4.000 miles on the car this year, and 14,000 on the Ultra....lovin' it.