And then in summer - it's too hot!; you get sunburn etc.
Sir!. You are without any doubt an Englishman.
There is btw a company in Sheffield that has what is (ime) the absolute best wind/rain gear anywhere.
Not bike gear so you'd want protection over it on a bike. It's used by mountain rescue teams in the wetter and windier parts of the UK
Called Buffalo Systems Ltd
It's not cheap - but in winter (in the UK and Germany) you will be warm as soon as you start moving about.
Buffalo – UK made outdoor clothing