Yes and yes for realism sake. Now Civ is not entirely based on realism. Not to diminish the immersion effect of realism and the value of it , mind me ! But there is this magical thing we call 'imagination'. What you want to achieve in civ is to win , not be 3rd or 4th or a decent civ , you want to be the first. No civ never ever dominated a big part of the world through domination by 100 AD and went on until they launched a spaceshift in 1767. Now that can happen in Civ. And we want it to happen.
I'm not sure any civilization spawning in a desert with a few desert river hills dominated the world, now in Civ if you get petra and the desert pantheon combined with tradition you are well on the way to win in such a setup.
And that's fine , because you are playing a realism based game but not a simulation . Every words count. It's a game.
Why not have this something , even if you have to compete or adapt to get it , that makes tundra or snow worthwhile ? Just for the fun of it ? Just to get a let's see ? just to play 'pretend' ?
Would it be hard to balance ? or to make it interresting ? like a nice starting combo and an end game huge bonus with some challenging gap at mid-game ?
Just sayin....