Well, up until only a generation or two ago, no one born into those paces actually did have a choice to stay or not. It's not easy to leave a family support network, especially in a niche environment.
That being said, living in the desert, I saw tons of Midwestern tourists that underestimated it, and quickly got into basic trouble that I learned to avoid as a child. Bit, the people that were always cool and always prepared to deal with a harsh environment were the people that had spent time in Alaska. Spend time in an extreme place, and you learn to respect any extreme place, and be perfectly fine.
And the extreme cold option is always an option on the table. Not nuclear winter, but one bad volcanic eruption can affect large parts of the globe. Just ask folks in 1816, when an eruption in Indonesia led to a year with literally no summer in most of the northern hemisphere. Totally brutal famine in Europe, as one could also expect from AMOC collapse.