I run with the tall windshield and hand guards. Cat does not like the combination, but it does help for comfort. Hand guards do rub some. I also keep a set of gauntlets in the bag for temps starting around 10F below.
We stopped to eat and noticed other riders coming in with snow jammed in their helmets, jackets and gloves. They had snow everywhere. We looked out the door and couldn't see across the street. Six inches of snow fell while we ate a few burgers. That was the start of a great ride.