Shivering so hard it impacts your speech is far from the worse Bard's had to take care of, so at the very least Kara won't have to worry about it being remarked upon. (The "on Earth" part is a bit weird, but for now he's just assuming she's an elf or something, since he's heard they do that sort of thing.)

"Alright then. A very long time ago, in a place not very far from where I grew up--" for he can't say "not very far from here" when he still doesn't know where they are "--there was once a city called Dale. Now, Dale had been founded on the side of a mountain called Erebor, in which there lived a whole kingdom of dwarves." Here he pauses, because it's the part where he's always been prompted to go on a tangent explaining dwarves.