There's one line that makes me think she's used to more than a bit of luxury. She complains about the cold in a comment (I think it was in the Hissing Wastes) and said 'you know what's not cold? Cities!'
Uh... no. Cities can get absolutely, skin splittingly cold. I don't think she's ever had to sleep in a ditch.
But a city still provides shelter, that's the point. Yes, the really poor don't have that so on a cold day they still get cold, but I think it's a pretty big leap from not-dying-of-cold-in-a-ditch to being-just-like-the-people-she-hates. Even then it's not like she's above hyperbole.
If you want to get literal about it even the pampered rich noble brats would be getting cold, because central heating, insulation and reverse cycle air conditioners aren't a thing in Thedas, cold stone rooms with lots of ventilation are.
She complains, lots of people complain. The rich complain about the poor, the poor complain about being poor, the formerly poor complain about how they were much poorer than the current poor and the current poor don't know how good they've got it. It's universal, a big fuzzy common ground we all have.