But 5 minutes in the dry is not the same as 10 minutes in the rain.
Source: personal experience (I'm Dutch although I live in rural Sweden now)
[1] make it yourself: half baking soda, half potato starch, add liquefied coconut fat and mix, use enough fat to get the consistency of peanut butter. Either dump it in a used deodorant stick (of the screw-up type, first screw it down of course) or just in a glass jar. It'll solidify into a semi-hard mass which can be easily scraped off for use, it is far more effective than the stuff sold in stores and works for a few days.
I didn't say it isn't doable, I was pointing out wrong the poster who claimed that 5m in the car is the same as 10m on a bike.
Because even if you are okay with 10m in the rain, it is most certainly NOT equivalent to 5m in the dry.
Climate is much more extreme in large parts of the USA. Going from extremely cold with snow and windchill, all the way up to extremely warm & dry, or warm and humid, which means you need to take a shower after 2 minutes outside.