Many of the scenarios you mentoned aren't even that big of a deal for many. I have walked in the rain many times and somehow I was still ok. You could argue that car culture has made us soft in some ways.

Nevertheless, if we reduced our emphasis on cars in society and the design of our cities to the point where cars were mainly used for those specific cases where cars truly are by far the best options (like ambulances) we would have more livable and walkable cities and ironically cities where it is nicer for those who really really want/need to drive since everyone and their mom wouldn't be driving because they aren't forced to drive to everything. Fewer people clogging the roads like my co-worker who would watch Netflix while she drove to work. Obviously she didn't have a passion for driving but was forced to because she lived in a sprawling metro with terrible transit options.