So it's just your expectations will be lowered. No other backups?
It will definitely be too cold in Switzerland in Dec. I have a close friend living in Geneva so I get the updates on the weather from her via FB
Too cold? It's just a matter of wearing the right clothes, e.g. layering up with wool-like material, and a good wind breaker over a good jacket. That will be good enough for all except the most severe weather.
Well that's the problem with tour packages; for me, too many variables outside my control: tour group, tour guide, crappy boring hotels, "chinese" food, etc. Basially if you are unlucky and the tour sucks, you are screwed, and you've just wasted good money. Worst part? You can't do much about it.
I much prefer F&E where it's not only cheaper but almost everything is within your control. The flexibility is great too.
This year, we went on a 10 day F&E (of course!!!) trip to California. All in, under SGD 8k for two persons. Includes air-fare on SQ, car rental, petrol, accommodation, and all meals. Went to SF and two national parks, and two designer outlets as well!
Driving in the USA is so easy. Even though it is on the other side of the road. Wonder why so few sinkies do it.