A passenger shivering on the runway without vital medication, such as heart pills, insulin, steroids, asthma medicines, may rapidly become an emergency of a different kind - just one that's no longer the responsibility of pilots and cabin crew. A passenger separated permanently from identification documents, passport, medical prescriptions, may be more than slightly inconvenienced.
Perhaps those passengers requiring essential medication should consider placing a small neck pouch/hip bag in the seat pocket containing these items, rather than placing them in the overhead locker. But how can you compare death and disfigurement with short term discomfort and inconvenience? If the aircraft does land at an airport, there should be a fleet of ambulances and trained medical staff heading in your direction. Ground staff should be able to provide blankets for warmth. It
is the responsibility of the crew to attend to your needs on the ground in the shorter term. It is in the airline's interest to attend to the passengers in the longer term.
If the plane ditches in the ocean, what would the man requiring his computer do then?