Mostly the winter isn't super-cold, something like -10°C/14°F, but there are weeks where it will be -20°C/-4°F and then there's a big difference between waiting at the tram stop for 1 minute or 7 minutes.
I'm generally one of those people who is always warm, so with that caveat inmind I don't find -10 to be too difficult. I can travel to the office, or shops and back with jeans, t-shirt a hat and a decent jacket.
It's only when things get colder than -15 or so that I need gloves, a scarf, and more layers. That's the kinda temperature where your face starts to hurt when you're outdoors, and daily life gets unpleasant. You start to think "Maybe I'll go to the shop tomorrow", and plan things so that you don't have to go outdoors like that.
You and me both! Here in Canada it can easily reach -30 and I go out with tank tops. I have a theory that if you can control your inner temperature, you won't feel cold, so it's an intrinsic thing. Although some of my colleagues exploited this when we used to go to the field to fly and test drones during harsh winter, they would bring up that theory to me to be outside while they were cozying up in the car!
Once you’ve had a few weeks of that, you only need a little jacket at -20c.
Yukon, Canada.
It’s all relative.
The coldest I ever went walking in was -48c just below the arctic circle in November, not counting wind chill. I’ve also hung out in +48C a couple of times. Still hoping I can get a hundred degree temperature swing.
(It hasn't been -20 degrees here since records began.)
Growing up in the middle of Canada, I heard about schools closing due to weather, but ours only closed if it was below -40C.
In the UK, either in Scotland where I lived as an adult, or Yorkshire where I grew up snow was something that lasted for a few hours most of the time, and so people weren't used to it. If it snowed enough that the roads were covered busses would be cancelled, trains wouldn't run, and schools would be closed.
If it ever drops below 0C close to the equator (and near sea level) pipes should be drained and everyone do without water - this happens so rarely that it isn't worth the cost to figure out how to handle that. When you live in a place where it goes below 0C for weeks on end every winter that isn't acceptable and so you have to pay the extra costs of putting pipes inside buildings (or far underground) and insulating and heating those buildings to keep the pipes warm.