You started out asking for “girls” but then switched to “women” so maybe you won’t be interested at all, but if the point “freezing and shivering in snow, cold rain, strong wind” is important enough to you, that’s a common plot element in my stories. ASSTR is gone, and the shit-headed bastards at Internet Archive (wayback) have gone full retard on censorship, but the stories are currently still available at ASSTR-mirror.org.

A few that you’re more likely to like (at least for the freezing and shivering parts) are:

http://www.asstr-mirror.org/files/Authors/GeorgiePorgie/www/bratmd01.htm
http://www.asstr-mirror.org/files/Authors/GeorgiePorgie/www/bratc02.htm
http://www.asstr-mirror.org/files/Authors/GeorgiePorgie/www/bratn01.htm

Cold and freezing plays a part in some other stories (bratsm01, troop432, bunny17), but isn’t the main point in those.