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."
Rain slowly builds, thunder and lightning continue to roll in. Road muddies, horse/wagon getting stuck in the mud. Thunder strikes coinciding with a deep hole a horse just walked in, horse panics, breaks its leg (maybe just sprain?). Horse is decompacitated and the rain just went from pouring to an all out monsoon. Shelter needs to be found, horse needs to be taken care of, covered in mud, add the posibility of items being lost to the confusion with the wind and dealing with spooked animals.