Depending on the weather, i would watch 81 in January...
I travel a lot between our offices in Eastern PA, and Richmond VA...
On MOST cases, I find it much easier, and faster to stay on 95, go around Baltimore on 695 ( Key Bridge ) right down threw DC and around Richmond on 295..
If your aware of issues, you could hop off 95 in DE onto 896 to 30-50 -301 back on 95 just North of Doswell, Kings Dominion area of VA..