You need warm weather gear and cold weather gear in my opinion. I try to ride well into November and start as early as March. If its not snowing I wanna ride. Pick up some leather pants or fleece lined chaps and shit and ride. Coming home from work at midnight in October and November does get chili, but I like the extra month or two it adds to my riding season. I usually call it quits when the first good snow storm hits or when they really salt up the roads, then I’m done.