Anons argue in comments
this post was submitted on 23 Feb 2025
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Yes, that is the real savings. Unfortunately, as I said, if you need a car for any reason (most people do) then using public transit other times is cost ineffective. The last mile is still a huge problem. Where I live if I want to go to the next major town center in a massive urban area, i have one bus that goes 2x per hour and costs 2.30$ each way. Or, I drive the 3 miles and spend an incremental 42c each way. Yes, owning the car costs way way way more than that, but I can't affordably do mixed use. Once you have a car, it's too expensive not to use it. (And this is still the case for an old car -- my 15-yo might not get replaced depending on my circumstances, but I bought it 5 jobs ago and it's still cheaper and faster than transit for most of my destinations.
(And yes, back to OP, biking is perfectly fine for such a trip as long as the weather is good and you don't actually need to do anything at your destination. Even then, it's actually a 5 mile bike ride for a 3 mile car trip due to the roads being unsafe here.)