Yeah. I murdered a new Ryobi battery in one year by leaving it plugged in over the winter in MN.
The rechargeables tend to be able to withstand sitting in the cold, but as mentioned, charging in the cold (under 32°F) is tough on them. I think you’re right about the heat too, like charging them in a hot truck during AZ summer (but don’t quote me).
As far as 18650 rechargeables for thermals and headlamps etc, I have read that just using them in sub-32°F is hard on them too. Not sure about other rechargeables…but that’s not going to stop me from simply using them in the cold.
Obviously batteries are ultimately disposable, but I try not to hasten their eventual demise by cold-charging.