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Maybe that’s how you would see it if you slipped on the ice…
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The ice looks more like the left side form in the older version of the kanji.
But yeah, the middle element is crowbarred in for the WK structure. They do that sometimes.
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The Etymology guide shared in this post Kanji Etymology (origin of kanji) has this to say:
寒 (12) カン;さむ(い)
The relevant seal inscription form is 宀# roof/building + an element combining piled bricks/stones
and 廾 pair of hands → create layers of building materials in raising a shelter. Later, 氷/ 冫 ice was added at bottom to emphasize a structure offering protection from the cold.
Not sure if that’s terribly helpful either 
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