I've just flown or attempted to fly weekly all winter this year in the Salt Lake Valley. An awful lot of plodding around in 34-36f with thin clouds above and occasional drizzle and such. Also being stuck in or out of a valley with a thin layer is a thing out here too. It seems like in those kinds of conditions it would be nice to have onboard even avoiding ice. I have no intentions of going and battling it out through known icing.
For example, the other day, I was VFR on top in an archer at 9500- there was a little layer from 8k to 7k, and I had to divert (I'm VFR for now, but the -10C would have been a show stopper regardless). The canyon below was too sketchy to try to sneak through at 6500 feet when I took a peek.
On insurance, yeah, I'm collecting some Arrow hours right now, but the one I have access to is miserable. I don't think I'll get too many, that thing makes me nervous. I was going to get some more by flying out my old instructor with me to pick it up and flying it home, then, if necessary- pick up liability only (required in Utah) for the time being.
I'll DM you on the 252.
On the UL, yeah, I really want something up near 1000, if not over a bit. That rules out some, depending on options. My kids are 30/40# right now, obviously they won't stay that way. Turbo would be a big deal taking off near gross @ 9k DA, that's kinda what's pushing me into looking at turbo stuff. Also I would say I would always try to fly 9500-12k+ feet- around here below 9500 is a swarm of flight school planes 24/7. It's just not worth the hassle.
U42 in SLC is 5600 feet, but often 8-9k DA in the summer. I did all my flight school in 172 / Archer because climb performance on the 152's is so miserable here unless you're both light.