As someone who lives in Texas: I will never bike, but probably not for the reason you're thinking of. Rather, I won't because of heat. Days can hit 100 in high summer and 90% humidity. Many people supporting the "everyone should just bike" idea live in SF or New England. This means they don't realize quite how hot it is for much of the year. And though they may say it gets cold there, you can always add another coat. You can only remove so many.