You could always buy a MTB for the winter months, get a used one for cheap, im carfree and when im sick its either ride in or call a cab and well im cheap so i just tough it out, i get the respiratory problems every winter as well but i generally just ride through it. But like others have said sell the car and those times its too hard to ride take a cab, i know how you feel on the early a.m. transit the earliest bus here in boise will get me to work 25min late, which ive done a few times, a few weeks ago my dumb ass rode to work with a temp of 101f when i got to work i had no idea why i even bothered coming im