I live in a chicago suburb near the wisconsin border, I drain my motor of water and add stable to my gas tank,drive around for about 5 minutes so it mixes all through the tank and then run the motor for about 15- 20 seconds so the mixture is in the motor.I change my lower gear oil every spring,never had any water in it over 20 years. Since my boat is stored in a fenced storage yard outside I cover it with two tarps. The first winter I stored it outside the water left in the tubing going to the water pressure gauge froze and the ice broke the bladder in the pressure gauge,the next year after replacing the gauge I cut the 1/4 " water line that goes to the pressure gauge about 18 " from the motor and installed a pressfit union that I disconnect every winter. I never had to replace the gauge again.