Tom
Your mad, but no madder than most motorcyclists.
I've ridden bikes all my life as have many other on here.
Compared to a bike the 3w is as safe as a Volvo.
I've used mine as a daily commute and now have 12000mls on the clock in one year.
Definitely make sure you get a fully sorted older model and that means a new chassis. The originals will all crack in time. Centa drive is also a must.
Get some Rukka waterproofs and wear a good flip up helmet for the cold weather
Ice won't be a big problem. You will three sixty it on dead wet leaves if you drive like an idiot and lose concentration. I have done this once. Snow would be interesting and I'm not sure I'd enjoy it.
I've had lots of problems but only once did it not get me home due to broken cam belt.
Other bits like sheared silencers can be held on with wire. Carry a tool kit.
We really ought to publish a list of tools, should cause even more debate.
Don't hestitate do it and join the rest of us infuriated but estastic morganeers