It's happened to me once - February 2018. Beastly cold, of course, with a howling wind. This happened while dropping off used furniture for a poor person in public housing, because no good deed goes unpunished.
2009 Kia Sedona, original battery. I had load-tested the battery (with a Schumacher 100 A unit) before winter, and the battery passed with flying colours.
It had worked well through several starts earlier that day.
We came out from the apartment building after unloading, and the battery was dead. No death rattle of solenoid or anything.
I wonder if it had dropped a plate or had a related mechanical failure.
Our son drove over and boosted us, and I bought a new AGM battery and a booster pack.
The AGM battery lasted six years. A bit disappointing.
The new battery is a conventional Kirkland.