An inconvenience anytime it occurs and can be deadly in the winter. A well maintained vehicle is enjoyable to drive, it lasts longer and it could command a higher r esale price.
Cold weather makes problems worse.
Note that a gas tank which is kept filled helps keep moisture from forming. The cooling system should be completely flushed and refilled about once every 24 months. The level, condition and concentration of the coolant should be checked periodically. You should check the condition of the drive belts and water pump. The tightness of drive belts, clamps and hoses should be checked by a pro.