Yeah it doesn't, just dress for the occasion. Can always catch a tram instead of walking too.
If you're living in a car dependent city you're not experiencing what it's like to live somewhere that isn't. It has nothing to do with taking a recreational walk. Everything I want to go to is within walking distance. It's designed to be accessible year round.
When a city is designed to be habitable for people instead of traversable by cars these problems you're scared of don't exist. You don't have to take my word for it either. If you think I'm lying to you for some reason have a look at the statistics. Commuting data is easily accessible for specific cities, same as weather data. Do people who live in places that are walkable, have good public transport or have good cycling infrastructure drive? No they don't. It's not because they're stupid. It's because driving is the inferior mode of commuting when other options exist.