Black and white goes well with the weather around here. In my photography, especially digital, I've found that I prefer black and white photos in places where color doesn't really matter all that much. Snow, portraits, and architecture are all examples of subjects where the lighting and composition matter much more than a bright showy splash of color. There are, of course, exceptions to the rule - bright red berries poking through the snow surely wouldn't be very picturesque without color. My commute has been mostly colorless lately, and I pass few fellow bikers on the road as well. It's a nice peaceful time to be out, and before you ask, I'm pretty rarely cold - about 10 minutes into the ride I'm already unzipping the jacket because I'm overheating.
Lots of friends think Holly and I are nuts to be out biking this time of year, but in many ways, this is the best time of year to be out. If I wasn't biking, I know I wouldn't have the gumption to be out in the cold just to take photos. But being outside, getting some fresh air, and not noticing the chill so much - these are all great reasons to head out, even on some of the worst days.