Regardless the time of year when I can't be fishing, I read this forum and talk about fishing to fellow anglers. New ideas and discoveries keep the hobby fresh even though catching panfish is a no brainer most of the year. Winter in NY is definitely a challenge when hard water and the cold is a factor. If cabin fever is bad enough, I'll dig out my ice fishing gear. Other than that, I do pretty much do what you mentioned except I make and design my own soft plastic baits as well as sell them. This keeps me from buying overpriced stuff when boredom brings the credit card out and I have a source of income to pay for fishing related equipment.
Doing routine work on reels such as oiling, greasing and putting new line on is always productive and appreciated once the season starts. I switch rod and reel combos to see which cast lures the best and test them by casting in the driveway. (Let the neighbors look if they have nothing better to do!)
Being retired, I know what you mean about the cold, even when I wasn't retired. Standing over a hole when the chill factor is -10 is no fun, but catching fish from that hole makes it all worth it!
Frank