Get an ebike. It solves several of your cons at once.

No need to wear spandex or neon to ride on an ebike (or any bike honestly I bike everywhere and the only neon thing I own is my rain pants) just put lights on your bike and don’t dress all in black.

Can’t help you with the helmet, that one’s pretty important but there’s lots of nice looking helmets out there.

No getting sweaty on an ebike unless you want to, because you can crank the pedal assist if you’re starting to sweat.

Have literally never had an issue finding somewhere to park my bike. Sure have an issue finding car parking though. At the downtown garage I park at, cars are $20 an hour but bikes are free.

You’ll probably go faster than the cars if there’s lots of traffic. We’ve done a car vs bike race a few times when we had both starting the same place and going to the same place and the ebike always wins or is like 10 minutes behind at most.

Bluetooth speakers and transparent headphones both solve the music issue.

Many ebikes have extra cargo capacity, so grocery runs are easier. If you’ve got a large family then you might need a cargo bike or to rent a car periodically for large trips.

The only real downside imo is the weather if you live somewhere extremely cold/hot and the safety from riding near cars. The rest is easy to get over once you’re zipping down the road at 20mph getting those sweet, sweet biking endorphins.