That’s like saying you wouldn’t want a teenager driving in the city vs the suburb, or a freeway vs regular road. These are normal conditions in Sweden.
Cars with proper winter tires is far easier to keep steady, than a bike. Especially if windy.
Most teens out here drive tractors to get around. Personally, I'd prefer if Finland went the Swedish route here - an old Volvo with limited speed is still less dangerous than a large tractor.
I grew up in rural Michigan, so similar weather and density to the Nordic countries. There are PLENTY of times when driving is perfectly safe and I wouldn't bike. And I prefer walking/biking to driving most of the time.