That is why I ride a velomobile (this model to be precise). I’m never wet, I’m never cold, it goes 25/30 average without too much effort, and it holds 4 big bags of groceries in the trunk.
I’m not a big fan of traditional cycling unless the ride is short and the weather is nice. I’ll ride an upright bicycle if I have to - typically when I fly somewhere, I’ll take my foldable Brompton with me as checked luggage. Or I’ll take the Brompton onboard trains and busses. But given a choice, I’ll use the velomobile.