Though, like driving in the snow, you don't worry about the people who have to do it all the time, just the people who see it rarely and have no idea how to deal with it. That's where the danger lies.
So sub-zero temperatures are way more dangerous for people who are usually in the above-freezing range than they are to people who deal with that all winter long.
Besides, many people who live in houses that aren't properly outfitted for cold temperatures have an additional struggle on their hands.
This is what sucks for me. It's been in the 30s during the day and in the 20s or 10s at night, here. Nothing bad, but DAMN my house won't heat up! The heater runs non-stop and I can feel the cold breezes coming through door jambs, windows, and all the other millions of cracks in my completely uninsulated house. It's one of those that was built in the 1920s that's above the ground so that it has a sort of crawlspace that's not a crawlspace. There's just two feet of empty air between the dirt and the floorboards with no cinder blocks to wall it in, so the wind blows under the house as well as around it.
A few years back, the pilot light would go out while I was sleeping on cold nights just because **** me, that's why.
I had that fixed.