The condensation thing is the same everywhere. Here's the science behind how it works.
Warm air has the capacity to hold a considerable amount of moisture, while cold air can hold less. Really cold air (the well below freezing kind) is very dry.
So your camera gets cold, and you bring it indoors. The warm air in the room touches the cold camera and the warm air cools, releasing moisture from the air, and it collects on the cold camera.
So when you "bag" your camera, you are keeping it and the dry air from touching the warm moist air, and so no condensation occurs.
You can get condensation issues at warmer temperatures too. For example, when leaving a warm moist swimming pool and entering the "normal" temperatures of the locker room or an adjoining room. It doesn't have to be freezing.
May in BC is likely to have a range of above freezing temps. Just keep your plastic bag handy and you should do fine.
As a tip, let me suggest your change cards before you come inside. Then you can do what you want with your filled card, and not be tempted to open the bag. When coming in from freezing temperatures, I usually plan on an hour for the camera to warm up.