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Full disclosure: I'm using an e-bike, so I'm not even really exerting myself. I'm wearing enough layers to keep me warm as if I were standing still in a 20mph wind.

I admit, dressing for a decently long and/or faster-paced ride on an acoustic bike takes a little bit more consideration and planning. Still, lots and lots of people commute on acoustic bikes in street clothes, and make it work simply by not being in such a hurry that it turns into a fitness ride.

Also, where I live it's either wet or cold, but almost never both at the same time (and the rare times when it is, the whole city shuts down because we have no plows). There's just enough frost from the dew point to screw up people's car windshields and make the grass crunchy, but no ice stuck to the street.