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Montenegro was pretty bad and the guys in Newton Bike Shop wouldn't let me leave when a storm was brewing that was looking like getting turning into a cyclone (it didn't but the green glow and high winds were a warning, apparently).
I also carry a lot more built-in insulation than a lot of riders so perhaps what's hypothermia inducing for some, isn't for others. Lots of riders also don't eat enough and that can stop you in your tracks (RATN!) and shut your body's heating down, neither of which are gonna be good news up a mountain. Going ultralight and not carrying enough kit for mountain weather is another problem - see that Chinese ultra run. :(
and people getting lifts off mountains in this Spanish race
https://dotwatcher.cc/race/kromvojoj-2022