Winter biking in Minneapolis is real. I bike 5 miles to work most days. This was a cold and snowy winter, but it was better than last year because there was more snow and less ice.
There is no way the average person is going to bike to work in a 40mph wind in -10F weather. It isn't safe. You can keep pointing to people, but for most people it just isn't an option because of distance and safety.
Seriously. Biking in -10F (-23C) is just a matter of clothing. People do this all the time during winter, me included, with absolutely no issues. And I'm definitely not athletic. Although 40mph headwind might make it rather hot & sweaty business...