Yea you will freeze off body parts. As far as the 't' fish,the waters around me are too warm to have trout year round. Bluegill is mostly what I fish for. There are nice size crappie, and bass--largemouth,smallmouth,rock bass,and catfish and carp.
Now, Elgin is a little further north than I would want to live. Winter is for tying flies and buying rods, line, and such.
I lived in New Orleans 13 years and hands down there is better fishing down there. I miss the fishing down there.