I think it's largely a matter of how regular these events are. Finnish winters are universally cold, with lots of snow. So car-owners switch to winter-tyres in advance of snow/ice, trams always work, and suchlike.
In the UK, either in Scotland where I lived as an adult, or Yorkshire where I grew up snow was something that lasted for a few hours most of the time, and so people weren't used to it. If it snowed enough that the roads were covered busses would be cancelled, trains wouldn't run, and schools would be closed.
That is my conclusion too. When something is rare it isn't worth preparing for it when you can shut down. When something is common you have to prepare for it.
If it ever drops below 0C close to the equator (and near sea level) pipes should be drained and everyone do without water - this happens so rarely that it isn't worth the cost to figure out how to handle that. When you live in a place where it goes below 0C for weeks on end every winter that isn't acceptable and so you have to pay the extra costs of putting pipes inside buildings (or far underground) and insulating and heating those buildings to keep the pipes warm.
Growing up in the middle of Canada, I heard about schools closing due to weather, but ours only closed if it was below -40C.