My experience says most people do ok in those areas. You just plan for it better. You dress appropriately (flannel or quilted lining pants, sweaters, fleeces, etc), you start your car 5 minutes before going to it, so it's warmed up, etc. It's just a matter of what you expect.
http://www.winthefight.org/savageman/
Savageman apparently has a brutal hill climb. If you make it up the big hill without putting your feet down, you get your name on a brick in the road.