I mean yeah some switch to transit, but there are still lots of people on bikes. I guess I shouldn’t have said nobody changes their behavior, but rather that it’s common and totally fine to ride in those conditions, as evidenced by many people doing it in my daily commute.
I'd think that many people still commuting, doesn't erase the fact that cargo bikes (the thread topic) don't do well in those conditions.
And a critical factor is, hills. I live in a countryside that alternates between flatlands and all-hills. The towns are all around rivers (the pioneers needed water) and built close to them, and it's very hilly around rivers.
So here our experience is different from, say, the flattest country on earth.
The bike paths are a bit less busy but basically nobody changes their behavior except to go slower around the icy corners.
This is in Netherlands