I've had a number of ice encounters with my -6A and was fortunate to have two experiences where I could do some in-flight testing with a bit of ice on it after exiting the clouds and cancelling IFR well above terrain. I'm reluctant to share the data I gathered since it'd likely result in some unpleasant discussions as things are wont to do on here lately.
Anyways, know where the freezing level is, where tops are, and where the source of moisture is coming from. If the air mass is coming down from up north as is common in MN winters, the moisture is already frozen and so no ice. Conversely, autumn often sees cold temps but moist air coming from the south - liquid moisture, to be precise, which loves to stick to things when the temps get below freezing.
As one friend points out, "Ice belongs in drinks, not on wings". Words to live by.