Years ago, as a university student, I commuted by bike through some of that territory around Toronto. You needed a good map and some careful research on safe-ish routes. As usual, biking meant going 10k out of your way in order to have a survivable route.
Now living in another car-focused town in the Canadian West, and when I wrote a newspaper piece describing what it was like to live without a car here, friends laughed and said "no way."
But it CAN be done and it is more fun. If you take the right "life is a fun game if you break all the rules" attitude.
And yes, you save enough to bring FI one year closer for every 4-5 years you bike.
So . . . biking since those student days has cut at _least_ 5 years off my paid-work life.
And also cut decades off of my "fitness age" which is 30 years less than my actual age, according to those online tests.
It's getting paid to be healthy and have fun and be wealthier.
I guess that's not for everyone . . . .