Earlier quoted context omitted.
I read these types of arguments a lot from people who live in places where cycling is not the norm. They tend to read like strange nitpicks in light of how common it is for people of ages to cycle in different types of weather. 5 miles doesn't seem like that far to cycle. I am by no means an avid cyclist myself - for longer trips I take public transport. But I see plenty of people cycling even while I am on the train…
If every American city was dense, I'd go for metro + cycling. But as is that isn't the case. I don't think most Americans are fit enough to cycle , that's ultimately the issue. But even if your overweight, taking a train isn't a problem.
I also know several people who have various form of physical disability who cycle either totally normal bikes or ebikes, or adjusted (to different degrees) bikes or ebikes.
If we had better cycle infrastructure where I live (a relatively small European city), many many more people would release that they can get where they're going faster and cheaper on a bike than in a car, and have more fun while doing it. Even when it's raining.