Can't you just move an RV/camper somewhere warmer to protect your investment during the cold snap? Can't you chill in some store's parking lots for free for a night or 2 or more?
Lol, why do you think I spend my winters on the Mexican border in deep south Texas??? (although the tacos and burritos are also a definite plus).
I suppose I could have driven for 2.5 days to go visit my folks in Florida, which is pretty much the only place in the country that didn't get the cold weather, but averaging 12mpg, that gets expensive.
I move throughout the year across the country (and up and down in elevation) trying to always be in moderate weather. A lot of us full-timers call it chasing 70 - always trying to be where the temp is in the 70s.
(last Wednesday I slept with all the vents and windows open - it was 86 during the day and only cooled off to 70 overnight).