This is all about one's personal style. I do enjoy moving the bike when I ride. I seldom putt along. And yes, my wife and I enjoy being safe and comfortable, so I always have an alternate indoor ride end. We're not wilderness tourers. We get enough of that on multi-day backpacks in the mountains. Day after day of rain and nowhere to dry off wears on one after a while. We'll put up with it if we have to but I'd rather not go looking for it. So we've usually toured in areas which had grocery stores here and there and thus also motels. When we toured in less populated areas, we did it in good weather. We also disliked weighing the bike down with several days' food.

We've never gone looking for bad weather either backpacking or cycling. Circumnavigating Iceland is not on our to-do list. I would never recommend that folks go touring where it might snow. Waking up in the morning with 4" of snow on the fly is manageable when hiking, not so much cycling. I'm not taking a position as a tough guy. I do what has to be done if I have to, but my preference is to plan to stay safe and not push it. Things happen. I always put extra days in any hiking or touring schedule. I call that just being smart.

Personally, I don't think cycling through a blizzard is a particularly good idea.

I might also mention that when we toured we were not a terrifically strong tandem team, for one thing being well over 60. So I was very careful of the weight we would have aboard. We wound up with about 44 lbs. total, including everything except the bare bicycle but not including water. We had no extra room anywhere but in a small rucksack, carried for temporary provisioning. And we had a great time, no problems. We did pack up wet after camping a few times, but no problem there either.