I run all through the winter in New England, but I have empathy for people who don't like dealing with the cold and wet and the quite serious safety issues of ice and snow piled up everywhere. Even I generally try to avoid running in the rain just because it's unpleasant. As for clubs, there's the cost of a membership, limited hours, time/effort of getting to/from the place, poor aesthetics, the "ick" factor of shared equipment, contention for equipment, pandemic issues, self-consciousness, etc.
Also, many VR fitness apps are quite engaging and appealing in their own right. Supernatural in particular has nice scenery, music, a huge variety of challenge types and levels, dynamic full-body exercise, and a general game-like feel that many enjoy.
People have all sorts of concerns, strengths, and preferences. Dismissing or trivializing them with "just do what I find comfortable" is an attitude that practically never serves anyone - including the speaker - very well. In fact, any sentence beginning with "just" is a bit of a red flag.