I hear that. But to expand your cycling temperature range by 10-15F, for years to come, for me it's worth it.
Now there are very few days when it's actually too cold for me to hit the roads. [Whether I always want to do so is a different matter.]
One day I will. Road biking for almost 3 years and I just bought my second jersey. I hate spending $50 or more on clothes except for shorts. Gotta protect the boys.
That explains some things.
I thought it had to be really cold for a river to freeze, even an inlet.
At any rate, it's cold here. Another sub-40F ride today. This blows.