Poor weather is also hard on the drivetrain. It’s not just a matter of rider discomfort — riding in the wet is also just more expensive and more time-consuming, mile for mile. (I ride a few thousand miles per year, but mostly not in the rain and never in the snow.)
The wear issue is real, but for a commuter bike, I'm not sure it's that big a deal. Wipe down and relube the chain every few weeks and the drivetrain will still last thousands of miles or more. Especially if it's a less cutting edge 8/9 speed system, which tend to be way less finicky to wear and tuning than the latest 12 speed stuff (which is awesome, but needs a lot more maintenance). Bearings these days are pretty well sealed and short of submerging the bike, not really a wear item for most users.
Belt drivetrains (e.g. Gates Carbon Drive) + internally-geared hubs (e.g. Shimano Alfine) have basically solved that issue. They cost a bit more than chain-derailleur drivetrains but not significantly more.
There's also an efficiency loss, but for me the near elimination of maintenance costs and labor was worth it.
In over ten years of riding in all conditions including heavy snow with sand and salt, I have never done any maintenance on my belt drive system. I'm on my second belt.
There's almost no weather you can't bike in, just requires decent clothing and studs like parent mentions. In Calgary Alberta one year I commuted 50 km across the city each way with ebike for an entire year. With decent snow clearing, studded tires there was probably only ten days I didn't want to or couldn't take my bike.
Good point about the heat, that can indeed be dangerous if you’re not used to/trained to ride in those conditions. The same is. kt true for cold conditions where it’s really just clothing and tires.
What you can do in hot conditions is ride an ebike.
94F with humidity around 70% is a dew point of 83. Most scales will rate a dew point of above 70 as something like "miserable" or "intolerable".
The only outdoor activity I want to be doing when the dew point is 83 is called "going inside where there is AC". No I will not be riding an ebike around when the dew point is 83.
It’s just hot and humid, you’re not on Mars. Of course it’s more convenient to take the car, but it’s not dangerous to use an ebike in those situations.
Very unlikely you’re going to get heat stroke in 10 minutes or even 10 miles if it’s 94*F. Unpleasantly hot? Sure, I guess, though I ride through similar weather without problems (beyond sweat).