ok dickie.... you're a wuss. well, you did ask!
lynn, since you're aware of the hazards, that probably shows you're not such a novice as you think. If you do go out, and there's no reason why you shouldn't, i think the only hazards that aren't already there on a wet summers day would be icy bits. I try to avoid riding when there might be ice, but otherwise just keep it slow and smooth and you ought to be fine.
It's great fun riding in the snow, early in the morning before the cars get out to turn it to slush!