I’ve bicycled (on a normal purely human powered bicycle before I got kids) all year round in Scandinavia (and Michigan) in both small and bigger cities for decades. I’ve been neither cold or wet very often. It’s not particularly hard to dress for the weather.
I have cycled year round too, with proper waterproofs. Unless you wear some kind of helmet with a mask, which is not usual, you still get rain in your face. Cold rain. And it rains a lot of the time here.
Rain in the face has honestly never bothered me. Somewhere between -5 and -10 degrees C I replace my bicycle helmet with a ski helmet and ski goggles. Somewhere there I also start wearing a baklava.
