This is highly dependent on your location and life circumstances. I live in Eastern Europe, have resources to easily buy a couple of cars, yet choose not to. I prefer to walk or cycle.
> People talk about bicycles, but 0 degree or snowy weather makes that horrid
In Amsterdam, people cycle in -10°C when there's 10cm of snow on the ground (I did so myself). While a little unpleasant, apart from walking it was the only viable means of transport: the metro and trains were cancelled because of snow, and cars and buses were mostly stuck in traffic jams because there were so many crashes everywhere. (Someone tell the Dutch about winter tires!)