You are failing to take into account wind chill. In SK, with our high winds, a -15C day can turn into a -25C day pretty easily. I am a big baby when it comes to the cold and I fully accept this. But when the wind chill puts things into “frost bite in 5 minutes” territory, I’m sorry, but I’m not riding my bike to the grocery store and risking frost bite on my fingers and nose. Nor do I want to stand at an outdoor bus stop waiting who knows how long for a bus. Now if zoning wasn’t so dumb and put my grocery store so far out of residential areas, it wouldn’t be so bad. But city planning is centered around having a car, sadly.