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you pretty much end your argument with the line

For fit people in good weather.

The second part is more important than the first. You do leave out convenience and more with regards to carrying goods that these cannot offer.

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Many places where people bike a lot like Netherlands and Finland have bad weather. So obviously it’s not correlated. I remember biking a lot while studying despite bad weather (even snow and ice). I think that’s more a fear of newcomers who are not used to outdoor clothes.

Agree...I've been regular-biking year round in SLC for about 9 years. Rain isn't a problem with good gear, and fenders. Snow gets removed or melts quickly. It's the air quality on days with inversions that are the issue for me. I've biked in single digits, and you are quite warm when you push it.

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