I have a good friend that lives in Da' UP. 3 hours or so north of Green Bay, WI. He's got a fat bike. He rides all winter long. Goes to more of a MTB when no snow on the ground, though. He's a ridin' fool.
Went full-bore into being a Youper, too. They started a sled dog race in their town a few years ago. Has grown and seems to have been rather successful. They've also started their own Fat Bike race. Still small - but growing. Additionally they now have their own pack of sled dogs and do sledding themselves, too. Quite a lifestyle change from him being a native West-Central Indiana boy.
So - how's that debt payoff going? ;-)
It's going good. But the only way I can get the fat bike is if I unload one of my AR15's and a handgun . And that's what I mean by "trying to talk myself out of it".