Yes it can be a horrendous drive around the southern shores on I-94.I believe “The Lake Effect” is more of a snow issue. Here is a screen capture showing the areas around the Great Lakes, but even so, South Bend is just outside the region that gets snow the most.
Actually, when the wind blows over the (unfrozen) lake it gets warmer-it's the (sometimes biblical) snow you have to watch out for! Perfect 4WD Jeep weather! The upper Great Plains (ND, SD, MT, MN) get a lot colder. AK is still the king of US cold, though.I don't remember which lake, but South Bend is supposed to suffer from a "Lake Effect" climate. It's unusually cold for Indiana.
A serious question from a southerner guy, isn't 10w oil supposed to be fine till like -15°F. I know it will be thicker than a 5w at that temp, but is it that much of a difference?