From my experience, it's not really a problem.
I've had sticky shutter in cold before, but that's because of worn out parts and needed repair anyways. If your camera uses AA or AAA battery, I suggest getting lithium ones. They work much better in low temp than regular ones.
I am not sure how the negatives react differently in the cold though.
Condensation wise, it will only happen if the humidity inside the house is different from the outside. I lived in Michigan for 6 years and the air humidity is generally close between environments. I did get a ton of condensation when I want into a green house once in the winter. Well in that case, it's impossible to avoid. It's like going from a dry cold winter right into a sauna. Now in this case, try not to remove the lens. The moisture won't get inside the camera quick enough to form the condensation. At most you will have vapour on the outer most lens element and the glass view finder. Just wait for it to disappear. Don't try to wipe them, it will just get worse.
I miss the days of sitting butt cold in the night trying to get star trail shots. Ts and shorts for me here in s.florida!