I'm an American visiting Paris and have noticed many folks on scooters and ebikes have these skirts that are fabric covers that cover the bike seat and also the legs of the rider when they ride. They also have these mitten like things that attach to the handles that allow you to operate the bike but also protect your hands from the elements. Between those two things, and a decent rain jacket (which you need anyway) it seems to protect folks well and allow them to do just about anything one would do with their car. It's not that far fetched.