There a alot of movies, especially the world war movies with motorcyles being riden through snow and winter conditions. Most bikes will out brake a car any day of the week in snow and ice conditions perhaps you will be even. It's all in how you ride. Extra care at intersections when making lefts.
The new frontier are going to be riders who go to the next step of riding through snow and freezing rain. That day is coming.
The sad fact with insurance in Ontario there is token discounts to insuring multiple types of vehicles. Owning a car and a bike you are paying in full on both. With the way the gas prices and consumption to a motorcycle, maintenance costs, and the insurance cost of a car there is huge savings on the table. If I got rid of the car all together, that would be $1900 dollars in savings (extra Gas consumption over my bike, insurance costs, plates and drive clean). Sadly, auto insurance and carrying costs will only continue to be pushed up by the greedy. For the well to do who are keeping pace with the average Canadian wage of 872 a week, do the math, at least 3 weeks of take home pay.
Money better in my pocket. Also if you are not keeping pace with the average Canadian wage you can't save what you don't make. Wages are being repressed and costs are being escalated. You have do what has to be done in this current economy.