I live in Toronto. Yes, we do get below -20C and this is outside of the operating temperature for the camera. What happens at -20? could it break the cam or does it just stop working?
Its a manufacturer specification so the camera may not work below -20C. When there is power on the camera, it does generate some heat so the internal temperature will be somewhat higher. Temperature would be more of a factor with the outdoor camera (WOC) due to battery chemistry.
Exceeding the high temperature by placing the camera in direct sunlight could cause permanent failure.
The operating temperature spec for the V3 is -5°F to 113°F (-20°C to 45°C). So it will work at your -20C.
Likelihood is it will exceed that range by a bit.
I am more worried about damage due to cold, yes it is possible.
I guess I will have to wait an see : - )