There was nothing too distracting on the lots and there were plenty of rooms with doors they could shelter. But like I said it's not a problem if I visit the lot for say a few of hours. But I tend to spend days on community lots, be they owned or unowned and that's when it happened in both instances. Also, I noticed that sims, even if they are wearing winter clothing they are shivering and blowing warm air into their hands, even when the weather is not particularly blizzardly.