I finally bit the bullet and transitioned to bike commuting. Got rid of my car and the sickening monthly payment that came with it. 7.8 miles Round trip to work. Groceries and necessities within 2 miles. Last week the temps were as low as 19f which is as cold as it gets here, so i've toughed out the worst already.
A nice side effect is that I've lost 9 pounds already. And I feel better overall with the consistent excercise.
Full disclosure, we kept my wife's car which I use when I have the little one with me.
Overall couldn't be happier with the decision!