only drive rarely and when I essentially have to, or in the winter because my local bike infrastructure is seasonal.

You should look into studded bike tires. I was in a similar situation but figured out how to ride in the winter even in my town that completely half asses snow removal. Sold my car and started using uber/lyft and an hourly car rental service (zipcar) to fill in the gaps. I’ve saved thousands of dollars in no time and now I don’t have to maintain a car anymore.