Very much all of this.For me, the only consideration for minor range loss is whether or not you might need any extra buffer when traveling long distances, and perhaps planning a charging stop accordingly.
Couple of points (that were already made above): The vehicle S/W accounts for this with displayed range estimates (it's not scary or unknown what your range will be, based on SOC in the winter). The vehicle's S/W also makes it very easy to route to a charger, in the event that you are on a road trip and need to add a charging stop.
If you are simply doing daily driving, there's nothing to worry about, since a 20% hit won't even impact you with an adequate SOC.
One of the bigger benefits of cold weather driving in an EV is how quickly you can precondition your cabin and warm the vehicle. It's nearly instantaneous when compared to warming up the cabin in an ICE vehicle. So, at the end of the day, I see no reason for anyone to think cold is a scary scenario, and I have never had any problems in cold conditions in the backcountry or skiing for example.
Disclaimer: We don’t get the very, very cold here. The lowest I’ve seen on my weather station was -15 F, but that was an anomaly. Generally in the winter we get below freezing, but not much below: not lower than a daytime low of about 5 F once or twice a season.
I’ve never even worried about the cold for around town driving. It’s simply not an issue.
For road trips, we’ve seen lower efficiency (down to about 2.0 miles/kWh, or about 260 miles range in the Sierra Nevadas in winter). But that’s never been a scary cause for concern.