RW, I'm certain that nobody here is seriously alleging that anyone in the practice of choosing their spots when not to ride being a pussie(sp), least of all Richard (CanberraR3), whose experience with cold weather riding is limited to nonexistant (Note: that makes me green with envy).
Some people are hardier than others, some are considerably more foolhardy than others and then there are folks like me that put comfort and/or safety first before any other considerations.
To those who choose to ride in less than optimal conditions, I trust that they will enjoy that saddle time safely, without compromising their own or anyone else's well-being.