I do live in a house and its old, over 80 years with a dirt basement. We have a reliable snow cover but it doesn't always get here before freezing temps. No heated out building. We are on a double lot in town and the way the house is build, ever suitable place against the house for a cold frame is also where the snow will slide off the roof.
No vermin issues except for when the mice move into the basement in the fall. Never seen a vole in town and the squirrels are mostly on the outskirts. I'm more likely to have deer or moose come through and nibble trees.
I currently have 15 trees or so but most of them are in nursery pots or grow out flats. The few I have in small pots are things like crabapples and amur maples. Last year I sat all the pots on the ground under a tree. Ended up getting a weird spring with a lot of rain and refreezing. All the pots ended up sitting in at least 2" of ice. The only thing I lost was a nine bark.
Springs are usually cold and wet. I've not had any trouble with drying winds, I'm more likely to have issue with wet feet.
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sparklemotion
I do have a larger yellow azalea that survived last winter with me but its needs to be a bigger tree and I really like a bit smaller, easier for me to manage. Wisteria is one of my favorites, I had one die in a nursery pot last year when I didn't get it in the ground.
I thought about a lilac. I do like them and have a few in the yard. I've been watching a korean variety but its not a very nice looking plant, might just be a waste of time.