Generally, the cold does not really bother me.
As others have said once you get going and warm it doesn’t really have any effect, although my toes are an exception no matter what I wear. But those first 20 minutes can be hell and there are an infinite number of times I have wanted to turn around in those first few miles.
Mixed in is also a sense of achievement that you are out in all weathers when lesser mortals are still under the duvet.
All that said, last winter was a bitch for me. My asthma was bad between mid oct and mid dec so I couldn’t ride. Come mid december the temperature was god knows how many degrees lower than it had been 2 months earlier and I just couldn’t get my head around it.
I think I need a gradual reaquaintence with the cold weather and not a short sharp shock.