i have an emergency fund built up all year round.its not just winter you have to think about.
what about if your injured or ill etc?
a few years ago i badly sprained my ankle playing football and i was on crutches for over 3 weeks.no work,no income.luckily i had my reserve to tide me over until i was back to work.
this month the weather hasnt really affected my income as i work at 80% capacity and i could still get this months work completed with no loss of earnings if we dont get any more heavy snow
in fact my earnings over winter the last few years havent been bad at all.still a wage i can live on quite comfortably.
i work in nearly all bad weather though unless its really heavy rain and strong winds and of course heavy snow!!