I didn't used to be a Fair Weather Fisherman but as I get older, the chill with the wind drives me to a warm fireside. If you can take it, some really good fishing comes in the very cold. Years ago, I bank fished when you had to cast between the sheets of ice. There was no size limit in those days and I saw many full 5 gallon buckets on every trip. Don't worry too much. I don't think the 50-70 degree days will be over for some time yet. Plenty of time left.