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Only thing I’d say (as a cyclist) is that “skill issue” is not a great reply for all cases. My city swings from +40 to -40 and it’s not uncommon to see wind chills down below -50. Winter cycling is not always viable, which is why a robust transit network needs to include a variety of options.
Otherwise, this is a good comment.
Yeah that’s what allows me to afford to live here, lol