“ 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.”
“ The heroes stop in a small town ready to restock their traveling supplies and feed for their animals. All of the villagers are starving, and there is no food to be had. If the PCs are quick witted, their noble steeds might be slaughtered for food.”