I lived in a blizzard ridden area using just a 250cc motorcycle, year round, including riding it on the interstate. Layer enough layers, use heated gloves, etc you can easily get by with just a ninja 250, you're not going to burn more than $3-4k a year on that no matter hard you try.

You don't actually need a car unless you have a child or a tradesmen with tools or something like that, a small displacement motorcycle will still take you to 99.9% of the jobs in the lower 48.