This is why humans weren't meant to live in freezing temperatures. When it takes forty minutes just to start your car, you're living in a place where humans weren't meant to be. I've always lived in sunny California, so the biggest car hassle I have to deal with is when I get in on a hot day and the steering wheel melts onto my hands. To be fair though, that's pretty terrible. It's not "ruin your car" terrible though.
To think that the simple act of forgetting to roll your car window down would be a mistake that costs you thousands of dollars. You have to replace the whole car at this point. I don't see any other alternative. It's time to call your insurance company and hope that they throw you a bone on this one.