Same here, it's not just worth the risk.Winter time is when I usually pack everything up and stay to my SUVs. Not too fond of the cold and ice.
Same here, dry road conditions are what I only gravitate towards a) because i hate cleaning up the mess and b) because I have a fun cage to move around inI'll only be going out when the roads are nice and dry and there's snow in the fields. When there's snow and the roads are all icy, I just won't leave my house. Not worth it at all, for everything you listed above and more. It's not gonna be you, but it'll be someone else and that's something you can never control.