Haven't used a car in 10 years in Montréal. Toronto is the same. Unless you are talking about someone living in the suburbs and commuting to work.

You really don't need a car in Toronto if you are willing to live in DT or around DT.

Its certainly an exception on the winter front.

How walkable cities are are going to vary by city. Vancouver is very walkable. Also if you live somewhere up north, its not going to be that walkable even with a great bus system, because waiting for the bus in -30 sucks.

Eh, it's a dry cold. I've a good friend working in Nunavut right now and she walks to work. The trick is that her rental is nestled in the center of town; and the town is so small that there's no need for a car.

Honest, if you're willing to live and work in Calgary or Toronto then I don't see why you shouldn't move south and get paid more to live in similar cities.