I'm in the same boat as you are. Ive been riding for the same amount of time roughly, and I live in Mass. We definately have the worst winters I think in the country. I actually work with a lot of guys who have been riding for about 10 to 20 years. I talk to them on a daily basis about riding and bikes in general. I'd say about 80% of the people I've talked to put their bikes away for the winter (Winterizing http://www.motorcyclistonline.com/howto/howtowinter/index.html).
The 80% of people that put them away do it mainly because of 1 reason. Since we get the worst winters there tends to be A LOT of sand and salt on the roads during the winter months. We all know what sand/salt does to our traction, and the fact that salt eats away at metal over time.
If you do a lot of highway riding (in a car) in the winter up here, you know what its like. It's like a sand/pebbel storm with all the crap that gets kicked up from moving cars. If you have ever gotten caught behind a 18 wheeler in the winter your car literally gets nailed by so many pebbels. If you look at the front of your car after every winter you'll see all the chips in the paint job from all that.
I think most people are all set with riding in those conditions, but there are always a few who will ride no matter what the conditions are. I actually just winterized my bike this past weekend.
Bike: 1999 Honda CBR 600 F4
Mods:Yoshimura RS3 Slip on SS, DynoJet Jet kit stage one, K&N air filter, Xenon headlight, Zero Gravity Tinted Windsheild, Regina gold chain, Gold 525 sprocket, Galfer SS Brake Lines.