Cycling takes some planning, but so does driving (think parking, maintenance, and fueling). As a cyclist you'd change your habits to consolidate and avoid trips. And for more difficult (and rarer) trips, there's nothing wrong with taking a car.
As for the comfort, I find the short discomfort spent in cold weather is well worth the more long term comfort of being in better shape. But to each their own.
And I'm not convinced that electric vehicles alone will necessarily solve the pollution problem. I find most people are blind to the issues with the chemicals involved in the production of batteries and solar panels, but I'm hopeful those issues will be resolved with future technologies. (Until recently I worked in a lab that does fire safety tests on batteries, though I was not involved in that project. But it became much harder for me to ignore those problems even only on the sidelines.)