It's like a game of chicken. How long can I go with it? At what point do I give in for the sake of my knees? I do this every year with the heating as well. Can I edge it out until November before I REALLY need to put the central heating on? Then I toy with it a little, I'll switch it on just for an hour first thing for one or two October mornings (6am for us) and then switch it back off at 7am - that doesn't really count though, right?.
I don't really mind the cold so much, it's the rain that does for me. But at least that fills all my water butts around the garden - don't forget to empty and clean out yours before winter sets in.