I went to northern lapland last year and went for a cross mountain trek in minus 30*C and about 6 ft visibility. I also lost my wallet with several hundred pounds and all my travel insurance bits a few hours after arriving. I walked three quarters of the way up the Olympic slope (54 degrees incline - took about 2 hours) in ski boots trying to find it. The girl I was with had to send a man on a snowmobile to bring me back- now THAT was cold
(turned out my wallet had been found and turned in, with all the contents, an hour previous

)