Pain in the ass is subjective. In reality no one bothers to try to mitigate the effects of winter on their car. Cars still last 15-20years, but because everything rusts faster and cold starts take their toll the maintenance costs are higher, but unralistic to measure without google levels of data. All cars need maintenance and it varies a lot by make and model and driver and milage, it would be impossible to even guestimate the impact of winter without looking at all cars in at least two regions and comparing the average costs. One thing you might notice is having to change your rotors because the rust on them will cause them to wear faster and unevenly. They get these deep groves in them that cause your breaks to wear faster too. You may need to replace them every 5 years if you park on the street. Also, you will replace your battery more often because when it get old it will struggle to start your car when it gets cold out. A You will replace your wipers more often because the cold makes the rubber brittle and it will get ripped up on ice that is stuck to your window. You will drag salty into your car on your shoes and over time it builds up on your carpet. Harder to clean than you think.