Felim collapsed into the snow, exhausted. It felt like it would be the last fall this time, his limbs stiffening and flesh numb. The adventurer had heard of natives that thrived out here, men who slew bears and made coats of seal fur. But who could build anything out here...?
Just as he felt light start to fade, Felim cast his gaze up to see the sky one last time. He was startled - or would have been, if his body had the energy - to see a furred hood and a leathery face with a toothless grin. "Ho there, brother!" it spoke. "You came to just the right place."
When was the last time a character caught a cold or flu? Real people get them every now and again even with solid heating and dry interiors. Your characters are out in the cold and wet, and even inside is not always dry and warm. Imagine having to stop your dungeon crawl, sitting in a tight defensive position, while you all are feverish.