Heck, you are 43, you might as well retire!
Most of the people that aren't driving their cars in the winter weren't planning to in the first place. Some people don't have a choice and they drive them all year round. If you're not sure what you want to do, you could try a couple of the 1st snowfalls to see how the car performs(they have done a lot to these newer rear drive cars that makes them a lot better then back in the day), and if you're not comfortable, then you might want to try snow tires(expecially if you're leasing it-to use up the miles). If you're not leasing it and aren't counting mileage, you might want to get a beater to keep the salt and crud off the XF from winter.
You should increase the life insurance only if I'm the bene.! JK!