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It's all about how you build stuff. And if there's no need to build it for the cold, why waste that money?

Not wasting the money is why we aren't prepared. It doesn't snow here, so we don't have snow plows, salt for the sidewalks, plumbing for a frost line, or even scrapers to remove frost from windshields. Those things are alien around here. For the two days of hard cold, it's simpler to stay home. We can deal with hurricanes and 100F temperatures. We're built for that.

Yikes! I'd rather suffer winter than deal with 100F temps. We get 100 temps too, but only for a day or three every summer and everyone stays in the shade. LOL

Here, 100F is most of July and August. On really hot summers, we'll have streaks of 110F or more. Without air conditioning it's uncomfortable, but survivable. Even with no investment in comfort, you can get by with fans, hydration, and showers.