Don't know your definition of cold weather, but when I read your post I went out to my car and inserted my USB drive, Kingston 16 GB, and it started playing immediately. It was 33º.I use a USB flash drive with audio files in USB2 in my 2018 Accord touring 1.5. In cold weather, it can take up to 10 minutes to be recognized. In warm weather, it's fine. I've tried multiple brands of USB drives, all with the same result.
Any ideas why?