That's what clothes are for! I live in northern Indiana and ride through most of the winter unless the road conditions feel unsafe. The trick is wearing a second inner layer (easy if you go to work in a collared shirt or fleece) as well as a leather jacket, gloves, and bar mitts (keeps the wind and the snow off your hands). In the spring and fall I keep a light jacket and gloves in my bag just in case it's unusually cold that day for whatever reason.
That said, some biking to work is better than none!
More than enough range for a day's riding around the city, on the cheap end but still reliable, and most importantly folds up to fit in your car alongside anything you might pick up along the way. Maybe look for used ones too, they're fairly common and you might get a good deal vs. new.
Ebikes are actually fantastic for exercise, even more so than acoustic bikes. The biggest thing it does is erase hills for you so you don't exhaust yourself, and they're just plain fun.
That's rough buddy. Wishing you either better road planning in the future or a move to a nicer town, biking should be accessible to everyone (even if you're not in shape, with modern ebikes it's easier than ever to get out and move for relatively cheap)
Good thing they live 4 minutes away from a grocery store. You can fit quite a lot on a bike very easily, and living that close you don't need to make big infrequent trips anyway.
Sounds like you need Jujutsu 🥰