You can’t grow anything in the winter,

Globalization! And before that, preserves. Good thing is nothing spoils when the world is your fridge/freezer

don’t the pipes freeze and burst?

Water mains are buried deep enough that they don’t freeze. Tap water is noticeably colder.

Is it bad for the roads and bridges?

Yes. The cold isn’t, but freeze/thaw cycles are. Most asphalt roads needs to be resurfaced every 15 years or so

Do the homeless freeze to death?

Yes, but most cities have heated shelters around here where people can come when it gets too cold to sleep outdoors

The squirrels?

Northern mammals evolved to handle it

What about reptiles, snakes and lizards?

What are those?