I've never biked anywhere that's super hot and humid and sunny like Orlando in the Summer. Theoretically, the wind from biking should help evaporate your sweat before you get "sweaty" - but it's got to be easier to get swamp ass in Houston than Amsterdam.
I think the climate would matter somewhat.
Pay special attention to the "Chance of Muggy Conditions" chart.
The point is not that cycling is impossible but that it's attractiveness is highly variable depending on local/daily conditions, since you are exposed to the elements. Less consistency in conditions means the entire form of transportatin is percieved as unreliable.
The remaining 10% of the time is for just straight up unpleasant weather that catches you by surprise. For example, if I bike to work in the morning and there's a huge rainstorm when I would bike home in the afternoon. When that happens, I just leave my bike at the office and catch a bus home. Or Lyft if I'm feeling especially impatient.
https://www.bbc.com/future/article/20231220-why-oulu-finland...
Very likely issue here is that people who are used to cycle for sport only are not used to bike for transport. They don't do equivalent of walk, they do equivalent of run. So they get sweaty, because they race.
I’m in decent shape, but will sweat at a resting heart rate in a Southern US summer.