Should a windshield crack from the cold!? 2 questions

Glass is funny. It’s very strong in some respects, and very weak in others.

Your windshield cracked, so deal with it. Have the windshield replaced by the company your insurance company recommends. There is ZERO difference between a Safelite windshield and a Subaru windshield, other than the name.

Subaru does not make windshields. Subaru buys windshields from suppliers, of which there are few.