I agree about dodgy road conditions, more darkness but also the effect it has on your physiology.
It’s -15C here currently (Stockholm) and it’s immediately noticeable how your performance drops. I actually struggle to raise my heartrate above “cruising” speed when it’s this cold, like my brain is telling me just to plod. When I do manage a mini sprint, my lungs burn and it’s tougher work than normal!
I do a fair bit of xc skiing and when temps are below -10C you see a lot of serious folks using heat exchanger things they breathe through. Apparently the cold air can be pretty bad for your lungs. Managed a 10km loop in -27C last year and thought I’d never be able to use my hands again.
And my dad (in Scotland) still says, “Aye, but it’s a dry cold you get, not like here.” !!
Stay safe!