There are actually three year round residents on Cow Island alone. I don't know about the other islands. There are really only a few weeks on each side of "safe ice" where you can't get on/off the islands without a hovercraft or airboat. Just need to plan ahead and stock food (there's plenty of water!). Hovercraft aren't really any more expensive than most of the boats running around in the summer, they're just different and take different skills to pilot.
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