Anyone else shelling out money for cold-weather home and auto breakdowns?

I swear, the second it gets below 0 degrees F here in the US (-18 C), everything breaks. During this latest polar blast, with temps -20 degrees F below, my car is making funny noises, my tub drain appears to be frozen and stopped up, and my garage doors aren't opening all the way.

The car will probably be fine, just older. We are going to try to increase the pull on the garage doors to see if we can hobble them along, but they are 20 years old and will probably need to be replaced here soon (quoted about $2,400 for two garage door openers and install). We have been pouring hot water/salt in the tub drain, and we tried to snake it. It's not budged, we are probably calling roto-rooter (they said at least $600 to flush it to the street sewer hookup).

Anyone else having issues in really cold weather? What are your best tips to stave off the mechanical/electrical/plumbing failures during arctic weather? Do you keep separate funds for home/vehicle maintenance, or do you just pull from one large savings account? How much do you put aside/expect to spend on home/vehicle maintenance yearly?