maybe something like this
https://ferlafamilybikes.com/product...o-bike-inspire has covers and such
https://ferlafamilybikes.com/product...ssories-bundle
I recall you want to be covered, but you can get some really nice rain/cold clothes and inside or not nothing is going to be warm at 40 below (says the montana guy who grew up watching Lethbridge TV, and is always on the lookout for Old Dutch potato chips)
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Life is too short not to ride the best bike you have, as much as you can
(looking for Torpado Super light frame/fork or for Raleigh International frame fork 58cm)