From Columbus Day to Patriot's Day, Oct 12 to April 19, is the official lakes region, rule for freez'n pipes.
A standard porcelain toilet is what freezes and cracks, first and fast.
One way to beat that winter chill; go to
www.ebay.com and purchase a heated mattress pad, made by Sunbeam, and fall in love with your Sunbeam heated mattress pad!
Is better than going to Naples, Florida!