Also I don't have windshield wipers on my face (or windshield for that matter) - but maybe I'm just wired like that.
Yesterday, local news, a car crash with all three involved drivers dead.
2 wheels make you extremely sensitive to small traction loss - hitting a patch of wet leaves/gravel/mud/ice with a car tire is a nuisance at best - and a potential fatality on a ebike/motorcycle.
But my point is, while you're better protected in the car, with speed and kinetic energy the stakes go up. If they were three cyclists instead of three drivers in heavy vehicles on that road yesterday, they would likely all still be alive.
What should I learn from this one off incident?
I have a non-zero chance of getting into an accident, but on the other hand, I haven't been so fit in 30 years.
My guess is that my expected lifespan is increased by this decision. (I would add that I live in a very bike-friendly city.)
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There's a further ethical calculation I would do, which is that using a car is wildly irresponsible giving that we are systematically eating through our resources and destroying our climate and with it our biosphere. (Electric cars are better, but still tremendously consumptive of resources.)
So even if I were less safe and the fitness issue were less important, I would still choose not to use a car, like I have chosen for my entire life.
You adjust speed and cycling style to the conditions, and for winter cycling there are plenty of good options for studded tires. The Nordics have succeeded in making winter cycling a more common activity, and you might want to check out the "winter cycling capital of the world": Oulu, Finland.