There's proper clothing which keeps you dry. Personally I find fresh snow awesome to ride in. Not so fresh snow is less fun, but I still do it. But indeed if you cannot / do not want to take the risk then in most places infastructure is not quite ready yet and we do need solutions. Shared electric vehicles combined with decent public transportation services would be my bet.
Nothing / depends on the rider.
There's proper clothing which keeps you dry. Personally I find fresh snow awesome to ride in. Not so fresh snow is less fun, but I still do it. But indeed if you cannot / do not want to take the risk then in most places infastructure is not quite ready yet and we do need solutions. Shared electric vehicles combined with decent public transportation services would be my bet.