I thought Toronto was part of North America...

Also, doesn't Montreal have the Underground City specifically for staying out of the cold in the winter?

Yes and many people here, especially outside of the downtown / in the GTA, act like being outside for an hour is unbearable and that suburbs and cars are the only fix. They aren't.

Toronto also has a large underground section downtown.

He or she is probably not North American.

Northern Americans?

As my brother-in-law in Maine says, "There's no bad weather, just bad clothing."