In heavy bike using cultures, people have gear ready to go. Spending a minute to put it on is not really a barrier, an inconvenience. If there is a practice. If your environment supports it, by having plowed routes for bikes, bike parking.
I think we overrate the convenience & comfort factor. Don't knock it till you be tried it. You might like it! There is some real difficulty when your society self selects to only support & assist one mode of transit, doesn't have bike parking readily available, doesn't have safe paths for biking. And trying to embrace biking on your own, learn how to do it comfortably & safely, when few others do, that's hard. But I think the inherent comfort g convenience of cars is somewhat/greatly overrated. The mindset is that biking is inconvenient, but so many who successfully live it will tell you, it's easy & it feels great.