> All of these points are brought up a lot, but none of them are really valid.
Dude, I've been cycling in all weather for 20 years. I've been hauling stuff, small and big, light and heavy. It's not as simple as you make it out to be. I've gotten stuck in snow so many times. Turns out a bicycle just doesn't have a whole lot of traction or stability when riding a crumbling layer of snow on ice. No, studs don't fix it, and cargo definitely doesn't help it. At least I can hop off and hike the bike, but maybe not if it's a heavy electric cargo bike with guitars and work equipment loaded.
I've gotten soaked so many times, and even if I've got an outer layer that keeps me dry, there are many destinations you might want to go to where they don't exactly have the facilities for you to strip and put away dripping rain gear. I've also got my cargo soaked so many times, turns out protecting the cargo from water isn't quite as easy as putting a nice jacket on. I can only imagine how much harder it gets when you're trying to haul big cargo. And I've gotten soaked many times because weather can be unpredictable and having full rain gear on you where ever you go is a little too nuts.
And no matter how much I dress, getting glasses completely dirtied with water mist or the face blasted with wind when it's -35degC outside isn't any fun, at all. I'd say I'm a rather avid cyclist, hell I rode my fixed gear road bike with 25mm road wheels to work, on snow and ice, on the coldest of winter days, because the grease on my winter bike's freewheel stiffened up and prevented the pawls from engaging. I go pretty far. But I would not expect the general population to want or even be able to put up with anywhere near as much.
And then you need to make a trip longer than you can handle on a bike.