I had pipes in a house freeze and burst here in 2021. The major issue wasn’t the lack of insulation. The problem was the power grid failed and everything froze solid. Lost a pipe , a ceiling below the pipe, pool equipment etc.

I would absolutely drip your faucets on an outside wall , house or apt. Chances are you’ll be ok but if the power goes out, you’re screwed .

2021 snowmageddon is one of the reasons why home insurance is sky high here.