I biked to work in Seattle every day including freezing 35 degree rain in winter and enjoyed it. Half an hour biking in such a weather made me feel like I achieved something before work day starts. And biking was totally optional - I had a car.
But people are different and I get what you want to say.
I'm in Tulsa, OK. I choose to bike to work everyday also. Wind, rain, snow, temperature, I bike to work and back.
My car was stolen once and I went about 2 months without using it. I had insurance and they gave me a rental, but I ended up never going to pick it up. The police found my car eventually, undamaged.
The city has recently built an abundance of biking and walking trails for this reason and is very friendly to bikers, even on the main roads.
But people are different and I get what you want to say.