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That's great for the Dutch but I don't live in the Netherlands, I live in Texas. All of the above are absolutely concerns - especially in the summer.

They do have a lot of advantages: a flat country, good infrastructure for cycling, cool climate. That means you don't sweat on the way to work so you don't need showers and to change clothes.

Small country, high density, etc.

Until they had to bike in Canadian winter? Or on SF hills? Or 30 Km to work with 2 kids to drop of 8 Km in the other direction?

The Netherlands is nearly a perfect place for biking, which is why they bike.

Well, obvious places less suited for biking is going to be obviously less suited for biking.

Just as driving a car in Venice, in a jungle, or up to the summit of Mount Everest is not optimal.

That said, biking in Swedish winter works just fine. We plow our bike paths as well as roads, and get on with our lives.