I don't want to hear a bunch of mean, judgemental BS from anybody about it.
Excuuuuuuuuse me!! Sounds to me like you're already feeling guilty or you wouldn't be so defensive. The look she's giving you is one of "What'd I do and why am I out here???"

You think you HAD vet bills??? Just wait. Now that she's exposed to the elements (i.e., cold, wet weather, other non-vaccinated neighborhood animals, rabid wild animals, etc.) it ain't gonna get any cheaper.

I'm not going to give you any judgemental BS. But when was the last time you took her to the vet??? If it was a while ago, perhaps she has since developed a Urinary Tract Infection. Might be worth another visit to the vet. How long has she been doing this??? If it were MY cat doing such a thing, I would at least make another vet appt to rule out a UTI and then perhaps TRY to find a home for her rather than throw her out in the cold. Maybe a new environment is what she needs. Warm or not under a house, the UP of Michigan is VERY cold in the winter. You ever try living in 40-50 degree temps??? Just because a cat has a fur coat doesn't mean it's any less colder for them.