None of these are problems that prevent me from riding in the winter.
The biggest issue I have with winter riding, by a long shot, is road salt. I hate the fact that riding in the winter, even once, means that I'm ruining my bike somehow because of road salt. If not for that, I'd be out nearly as often as I would during the warmer months.
for a regular bike, I replaced all my rusted bolts with titanium ones and aluminum for ones that are not under load, hot waxed chain with no drip wax ever and a bottle of 99% isopropyl that I use to flash off the water. I used to take the chain off and dunk it but work has infinite iso so I just use the pinhole sprayer directly on the chain. If I cared about the finish of the frame maybe I wouldn't do that but it doesn't seem to affect this one.
For sure, a belt drive aluminium bike would be way easier to manage. I've got to work with what I have.
I finished coating the inside of my steel frame for the second year. No signs of internal rust when I inspected it, except for the bridge of the chainstay.
For some reason, my fender doesn't cover this hole, so wheel spray goes directly into it. 🤔
Replaced all bolts with SS, packed marine grease in front of any bearings, and made sure that all rustable parts have either a bit of oil or grease on them.