Deeply freezing temperatures, ice, snow, all of those are completely ridable on bicycles, but you have to ride with very fat tires, often called "fatbikes"[0]. You can ride those bicycles in just about anything; I've ridden them across frozen lakes and up chunks of frozen glacier in the dead of the Alaskan winter, so cold roads don't sound particularly scary. If you want to have a single bike that you can ride in any weather very easily, an electric "fatbike"[1] makes for a super versatile single-person car replacement.

[0] - https://en.wikipedia.org/wiki/Fatbike

[1] - https://www.radpowerbikes.com/products/radrover-plus-electri...