Yeah in England most people ride year round because it's their main means of transpo.You should try living in England. You'd ride about 3 days of the year with that attitude
We're also supposed to have an usually warm and dry fall this year too. My insurance is up tomorrow aswell and I'm going to renew it for another 3 months and see how I like riding in the rain and cold.
...I'm sure I'll be wishing for a fairing by the end of it!