you breathe in the cold air, do you cover your nose to warm the air? a scarf or ski gear can add warmth.
do you have a portable heater/fireplace or some method of keeping you warm in the event of heater failure; a back up generator? do you have a back up plan in place in the event of a power failure?
do you have a back up plan in place in the event emergency? do you have someplace warm to go?
when you go to the dentist, do you request warm water to be used?
do you wear gloves when you reach into the freezer? do you dress warm or avoid the grocery 