Cycling is wonderful, except when it rains, when it's cold, when it's hot, when it's windy, or when you want to carry stuff. So it's not a practical solution 80% of the year.
Wind does suck. I can't help you there.
Or just building some fitness, which in my experience comes automatically when you bike
There are millions of people who find cycling incredibly practical, so claiming it's impractical for some easily debunked reasons only shows the limitations of your experience. But you can fix that. Give it a try.
Personally, I enjoy cycling on snow as it's often not that slippery and due to the cold, I'll usually have a fair amount of clothing to act as padding for if I do come off. Black ice is worse as the rest of the road may be fine, so you go fast until suddenly you're sliding down the road.