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...