Apart from the obvious difference that liquid ammonia needs a much colder temperature than liquid water (but ammonia-based life forms wouldn't feel that as particularly cold), what would be the most obvious visible differences of an ammonia-based world compared to a water-based one, as seen by a life form on the ground?

For example, on a water-based world, common experiences, when living in the right place, would be ice on top of lakes. Since this is related to the water density anomaly, I guess this would not be the case for ammonia. But then, I couldn't find anything explicit about whether ammonia has such an anomaly, so maybe it would be a common experience on an ammonia-based world as well?