There is no problem with going out before ice out, you just have to be really careful. I've been out many times before ice out fishing, that's pretty much what everyone is doing as you really don't want to be out there going to fast. Matter of fact that can be said for the first month or so of the boating season after ice out is declared. Many floating hazards, markers missing or way off their correct positions having been moved around by the ice, you really need to be careful. However nothing beats a nice spring day out there because it's nice and quiet. Even better when the fish are biting! One thing to be aware of though is that the weather can turn very quickly and when it does it can get very rough and cold.
Luckily my insurance covers me year round so that's not a concern but a good point for those that have a coverage window to work with.
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