The Finns would like to have a word with you:

https://www.youtube.com/watch?v=Uhx-26GfCBU

Aptly titled "Why Canadians Can't Bike in the Winter (but Finnish people can)"

Cold doesn't have to be an obstacle. Here's a video on Finland's bike infrastructure.

https://youtu.be/Uhx-26GfCBU

It gets plenty wet and plenty cold in Amsterdam. In fact, most days of the year there's a decent-or-better chance of rain. So, what we would do (I'm no longer in town) is:

1. Take thin "rain ponchos" for riding

2. Check out cloud radar website, like buienradar.nl , to decide when / via what route to bike

Also, there is absolutely no problem for the Dutch to bike at temperatures below the freezing point, in the height of winter (even though, granted, it isn't that far below zero centigrade). The bike paths are cleared of snow and things work just fine.

Cold isn't that much of an issue if you dress appropriately - you're doing cardio work so you can always speed up if you get cold!