Looks like folks over-estimating their ability and under-estimating mother nature.
Dressing for the weather en route is always prudent, but how many actually do that small thing. Accidents can happen anytime of year, but there seem to be more in snow/ice/whiteout conditions. Do I always dress that way when I'm out? No, but I always have a duffel bag with cold weather gear in the back of the truck. Boots, wool socks and liners, long underwear -- clothing I very rarely use in SOCAL. I guess it's just a good place to store it. . .
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Better is the Enemy of Good Enough.
Okay, what’s your point??