Yet another blasted question from a rookie O/O (God help us all!)

So here's the situation:

I'm a rookie O/O. First truck, first trailer. Flatbedder specializing in steel haul, dragging a sidekit 48' flatbed. Truck payment is $995.20 per month, trailer is $1,000 per month ($250 per week lease with $0 balloon at the end). Other fixed costs come out to $41 per week.

It's now winter. Freight in my commodity is starting to drop, roads are going to get a bit slick, and there are thousands of rookie drivers out there causing pileups. Plus, the Great Lakes states (my normal running range) have gotten really over-reactive in road closures and "emergency" situations due to the number of under-trained drivers of ALL vehicles killing themselves and others since they don't know (or care) about adjusting their driving to road conditions.

I just got my business to the point of showing a small profit, and I would hate to lose everything due to some other idiot not being able to control his/her vehicle on slick roads. Plus, let's face it. This is NOT a season of high profit for flatbed, and I really, REALLY dislike dryvan. Reefer is not even to be considered.

My thinking is to scale my operation back considerably for the winter, then hit it hammer and tongs in Spring.

I would still have to run this winter, paying the fixed costs and putting something to the house and maintenance account. But I don't necessarily have to go out and run my tail feathers off for weeks at a time to make the monthly nut.

On the other hand, I AM a bit greedy. I like money. I did just start hitting profitability, and I'd hate to lose that just because I wanna be lazy for the winter.

I have money set aside, but I'm not yet at a comfortable level of capitalization for ongoing operations. That money is slowly increasing, but so are expenses due to increased fuel usage. I do not have a functional APU, but I also hate having to idle the engine for heat. Increased fuel useage plus wear and tear on the motor plus shortened lifespan on the DPF/SCR/EGR systems, ya know.

So (finally!), what would you do? Scale back for the winter, or run like the devil's on your heels?