I happily fished up until 23rd December but then Xmas was followed by the realisation that going into the New Year my time would be taken up with pressing house matters and the major work that needed doing. This I have done (fished only once) and my mind is set on pushing the work along until I can see some clear daylight otherwise it will drift and drift. That said, when I look at the continual heavy frosts with temps well below freezing for most of every day I don't think I'm missing much, plus I think it safe to say the lakes I fish may well be frozen to some extent!!
As I approach 74 its fair to say I don't go anywhere near as much as I once did through winter, BUT like others I do enjoy being out when the temps are above (say) 3 degrees or so and 4/6 hour sessions are on the cards. I have no mental anti against cold (I do long walks year round in all weathers) so providing I think I have a reasonable chance of fish I'm up for going, outside of snow etc etc.
I am a big believer in 'swim building' through the cold months, choosing to keep several swims going over a week and only fishing where I have, as I say, I good chance of fish. Perhaps it is the challenge I love, the isolation it brings when I know I am going to be the only man on the bank................
Nothing in my opinion, beats seeing the dip of the float in cool, misty, still conditions followed by a good roach or two sliding over the net and this followed by copious amounts of tea before the next cast!
Oh yes, I do go absolutely OTT around warmth and hot drink as to fish and feel very cold is just plain stupidity IMHO and where some fall down and decide 'not to bother', yet all it takes is a bit of planning, not rushing around, and the right gear to make outings comfortable and enjoyable - and they must be that, enjoyable!!
Obviously, you have to 'want' to go in the first place, and that for me is it - I want to go, and I love it!