How do you manage your life by being in bed at 8-9pm (latest) every day? What does your schedule look like?

Commute home starts at 4pm on the train, I work while on the train. Get home at 5pm, get dinner ready. Dinner cooked by 6-6:30pm usually done eating shortly after.

Wind down starts at 7pm, do some miscellaneous things like dishes etc, take a hot shower. In bed by 8pm.

I avoid driving as much as possible. I will always walk, run, ride a bike, or take public transit rather than drive.

Driving is tremendously expensive when it comes to time.

I believe it is uncommon to have a schedule that allows a bedtime of 8.15 pm. Maybe I'm wrong.

Sure, but this is missing the point. It doesn't have to be 4:30am. It doesnt even need to be ~30 minutes earlier than you usually wake. Its any stretch of time you dedicate during the day to exercise.