Doug,
It really depends on whether your goal is to "train" or to "ride."
I lived in South Bend, IN for 6 years and I've "ridden" in lots of weather. However, it was rarely good quality training. The combination of slick conditions, cold extremities, and limited outdoor time (due to light and misery) rarely made this much more than a group gaggle with friends or a "cabin fever reliever."
If you are trying to "train," stay on your CT. Heck, I rode a lot of trainer miles last SUMMER when training for Kona because it's just that much more efficient when you've got lots to do.
In short, outdoor riding in bad weather will provide a little extra volume or "junk miles," but I don't believe you'll get a lot of quality training miles completed.
My advice is that CCX bikes (I have one) are great for:
1. Commuting
2. Riding in weather ABOVE freezing (30 degree Fahrenheit)
3. Racing CCX
I agree that fenders and extra reflective gear are a must for winter outdoor riding.
Good luck,
Puskas
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