As I write this on Tuesday morning there are five or so inches of snow covering the ground outside my window. The forecast on the Internet is for more snow. By Thursday there may be upwards of 10 inches.
My wife and I protect ourselves from the elements by having an artificial structure (our house) to live in. We can put on additional clothing. We keep the woodstove in the living area stoked up. Bedroom, bathroom, and office doors can be closed so as to maintain warmth in the living area. Soup is simmering in a crock pot. This is our version of hunkering down.