Wait what, why? Because I'm going to get a bit wet? The rain is no more a threat to a cyclist's safety than it is to a car on a wet day. You just might need to wear a rain jacket, too.
The Dutch certainly don't give a shit about rain, snow or shine, as the saying goes "there's no such thing as bad weather, only bad clothes."
If you have a city of Lance Armstrongs , sure everyone could bike commute. That's not practical though.
I'd argue for building more bike infrastructure just since cycling is fun. I'm planing on working remote forever anyway, so I think we'd agree on alot. But I recognize my privilege here, if you need to commute to an office biking won't work over a few miles.
The average American is commuting 16 miles each way. Can you realistically do this on a bike , I know I can't.
https://itstillruns.com/far-americans-drive-work-average-744...
In areas with frequent rain, people are practiced in carrying waterproof overclothes and such. Sub-zero temperatures, snow and ice can be a much bigger problem, of course, but good maintenance resolves a lot of that, too, as it does for cars.
As noted by drakonka, you continue to argue the infeasibility of something that works well for many cities/countries, citing things that those with experience know aren't a big problem. Sure, you can't just suddenly start cycling when your life/city is built around driving tens of miles, but a city/country can work towards biking in a way that has worked well around the world.
I'm afraid braking won't work as well, and I'll end up hurting myself.
I don't think inexperienced drivers should drive in the snow, but that doesn't mean we completely dismiss cars as a practical means of transportations in cities that get snow.
Before covid, when I commuted, I used to cycle in 11 miles each way every day. Except when the temperature dropped below 5c. Not because I didn't have warm clothes, but because once I hit some ice under a bridge travelling at ~20mph and came off. It took a long time for the wound on my knee to heel from that.