We have been boating for 12 months since arriving in Washington, with one exception. A couple of years ago the boat sat on the trailer from mid-Novenber until the first of March. It seemed like every free weekend, the wind, cold, and short days were not worth the effort to go. Walking the dog down an icy dock in the dark is trying too hard to have fun.
Last winter saw a new-to-us boat, so we used it a bunch. That included a good storm right away, which was forecast, and 48 knots of wind and a building sea from behind.
As for limits - so far we try to avoid opposing wind and tide, major head seas, and the frozen docks in the dark scenario.
We don't do as much anchoring in the winter. It's great to visit all the places in the winter that are crazy in the summer.