I will ride in any conditions that I would drive in (if I had a car). If the roads are too bad for riding or driving, I walk or take a bus for essential trips, like going to work (I work in a hospital, so I am an essential worker in civil emergencies). A lot depends on your experience. I live in an area that is "blessed with weather," so we get lots of experience here.

My stepson and his best friend were seriously injured in an auto on ice accident, so I realize how illusory the "protection" of a car really is. I don't feel one bit safer in a car than on a bike.