Not being able to drive on certain roads because of road quality and other restrictions also become much more acceptable if you alternative is not having a car at all.

This. As an anecdote, my grandmother still drives, but does not drive at night, or in bad weather.

In places that have winter it's not some roads. It's all roads. The surfaces will be completely covered for months. There will not be reliably or static visual indicators. People will park haphazardly and arbitrarily. People will act like people and form new arbitrary lanes to drive in. Parking lots will be free for alls. This is not something that only occurs during snow events. It's a multi-month permanent thing.

Interpreting this all and driving safely requires an general understanding of the environment and human behavior that machines just won't have for a very long time. It's hard enough for humans.

Of course there are places where it's worse, and the US tends to have more extreme winters because of their unique geography (no mountain ranges that block wind from the North, combined with a huge land mass in the North). But that's the exception, most inhabited places have very managable winters.

The winter I describe does exist. It exists for many tens of millions of people in the USA in many states.