What’s the big deal?
Live downtown? No big deal. STFU unless you have a valid excuse like certain disabilities, unusually bad plowing, no child seat or trailer, some mechanical problem, or other.
If you’re a typical non-sporty commuter, it probably still won’t be that big of a deal, especially if male, unless you really have poor clothing or especially footwear and gloves/mitts.
If you already dressed well for winter sports (e.g., cross-country ski), you’ll be quite fine. Just don’t feel like you have to dress like this.
Heck, you’ll most likely be too sweaty, in less than 15 minutes.