I can tell you that my in-laws, with lake front homes at Murry Point (south of NP) have taken in their boats & floats and winterized their cabins by then.
The ones with four-season homes aren't spending much time there, until the snow falls.
2008 F350SD V10 with an 2012 Arctic Fox 29-5E
When someone tells you to buy the same rig they own, listen, they might be right. When they tell you to buy a different rig then they own, really pay attention, they probably know something you don't.