Good thing about living in the south: No snow.

I'd argue that either cold or snow can cause issues. Certainly you don't need snow to get hypothermia, but it exacerbates things. Loss of visual landmarkes, windchill, clothing getting wet (either from lack of waterproofing, or sweat from exertion).

Don't forget to factor in that you NEED to slow down in heavy snow, or you over exert, sweat, chill, and start to do yourself in.

Smartest thing, often enough, is to tough it out. Yeah, it sucks if you're stuck at the bus station overnight, but dead in a snowbank is pretty crummy too.