livegolf
It helps that I'm not paying out of pocket because of my membership. Otherwise I would probably be a lot more finicky about the weather, especially considering I'm generally averaging 90-100 rounds per year and can pretty much play whenever during the season.
But having lived in the Northeast for going on 17 years now, I've learned that you either tolerate being uncomfortable and take advantage of the ability to get out or you simply put the clubs away from mid-December through til about mid-April. A lot of guys do, but I need to get out of the house. I'm very familiar with seasonal depression, and staying snowed-in during bad winters sure doesn't help!