I may be mistaken, but I am under the understanding that, what you call "cold-treatment" may also include a process of scarification (called "cold scarification" or "cold moist scarification") , which is combinations of microbial actions and the frost/thaw cycle which both work to breakdown the seed-wall and/or alerts the seed when to germinate.
Yes, you are correct. That is how it occurs in nature.
However, if we buy packaged seeds that need this treatment, we must provide
both of the techniques manually.
Several month in the 'fridge prior to planting mimics the cold treatment.
Sanding/cutting the outer covering mimics the natural scarification process.
Quite often (especially with hard to germinate seeds), an over night soaking in warm water is done prior to planting.
This warm bath helps soften the coating, and it 'tells' the seed that warmth is just around the corner.
If you obtain your seeds from a reputable seedsman, you should receive fairly detailed instructions for each seed type.
Good luck.