Looks-like my riding season is probably drawing to a "Miami FL" close, the pool is down to 89* F & it's raining heavily.:rofl_200:
I do have Gore-Tex jacket & pants, ATX boots the same, and waterproof gauntlet gloves, but I am a 'fair-weather' biker. I am also a local-route biker, and the longest I ever ventured from home on my bike was 400 miles, many years-ago.
Hopefully the cold weather will hold-off for you to ride thru Oct. in the North, perhaps longer.