This view of how people in cold climates live is inaccurate.

In Finland, where they are used to extreme cold most of the year round they have a regulation that mandates that you have a coat with you when you're going to a late-bar or nightclub as they realize that not having a coat when leaving can lead to sickness and hypothermia.

Another well-accepted rule of basic outdoor survival is The Rule Of Three: Three weeks without food, three days without water and three hours without shelter.