I'm in the snowbelt as well. When people ask me about riding when it's 40F out, I've always replied "it's always possible to bundle up and ride. when it reaches 95F + 80% humidity in the midwest, riding is miserable, and there's no way to beat that sort of heat. I'd take brisk, chilly weather over scorching heat anyday."
I rode from Madison to Purdue (Indiana) this weekend for the Big Ten matchup in W Lafayette. Not a great weekend to ride, but I'm glad I did. Fri ride down was 55 + sunny = awesome ride. Sunday ride home wasn't so nice: 35 + drizzle. Had 3 pairs of pants on, 3 long sleeve Ts, a jacket, helmet, gloves, seat heat on high, grips on high, windshield up, and I could've stayed on the freeway for hours (bladder couldn't hold up). I kept thinking how great this bike was and how much I don't want to park it for winter.
Guy at the Interstate rest stop says, "Wow, are you a trooper!" I've heard that sort numerous times in the last week "You're either crazy to be riding or you don't own a car! HAHA" "You must be miserable out there today."
I usually shrug and say "I love riding too much to park it for the season" - now, if I can just replace my rear tire, I'll ride it until the snow hits...