I think getting wet should be an extreme survival threat in the cold and incorporated no matter what level - hardcoe or not.
Ways around it include building a fire, adding more clothing, or magical means like resist cold or fire on self, having a dragon breath on you, or cutting open trusty steed
Ways around it include building a fire, adding more clothing, or magical means like resist cold or fire on self, having a dragon breath on you, or cutting open trusty steed

And water walking.
