Just to add a less opinionated take: https://www.citymonitor.ai/analysis/why-winter-is-a-poor-arg...
Personally I've also biked to work (and everywhere, really) in sub-zero degrees many times, because the bicycle lanes are cleared and salted. It's really not too bad. It actually gets a bit too hot even, because you start out by wearing so much.
In cold weather, one should always dress for 5℃ warmer than the temperature outside when you have a bike longer than 5 km. Runners pretty much have to do the same. Your body heat and good layering will take care of everything else.
Personally I've also biked to work (and everywhere, really) in sub-zero degrees many times, because the bicycle lanes are cleared and salted.
I used to bike to work in just-above-freezing temperatures. That wasn't so bad.
The one time it started to rain mid-journey, that was bad.