Depends on the location in the UK, plus the weather's enormous variability. Generally not that cold, but not always mild enough that you can ignore it. Plenty of people die of the cold in the UK in winter despite its "mild" climate.Agreed, ideally never charge below freezing point, but the point I am making is that one doesn't need to fret about this too much, especially in our climate, as your comment on the Shetlands shows.
Most of us the UK rarely get any chance to charge below zero degrees, since even our sheds and garages rarely get enough below to destroy cells, especially since the charging itself generates some heat within the battery casing.
Here's our two members living and pedelecing far north of the arctic circle in Norway:
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I spent a winter with the e-bike in the frozen north. Having power to get through 8 inches of snow in the morning made cycling through the winter possible. At -10 to -15, you really feel the loss of capacity though. So it's best to keep the pack indoors until you need it. Then recharge in a heated garage. The problem comes if the bike has to stand all day outside and in use, it's so cold from wind chill, the pack doesn't warm up much on the way home. Often it was a case of bringing the battery indoors once home to defrost for a while before charging.
Charging a pack with a 2 A charger generates very little heat. The charging efficiency is very high, only 1% or so is wasted as heat. So for a 36 V pack, you looking at less than 2 W of heat. For a 4 or 5 kg pack, that is quite a thermal mass to have to heat with such a small input.