You people REALLY crack me up. I have lived in MN all my life (32 years) and have never done most of the things others are suggesting...and I can bet most people I know don't, either.
Snow tires???????? Never around here. I can see in the mountains, maybe. But for snow/ice in suburbia? Not a chance.
We carry 2 blankets in the car (the tie ones) and I leave my jacket in there all winter (I never ever ever ever wear a winter jacket. Even on the coldest days, mittens, a hat, and a hoodie are just fine). I haven't owned boots in at least 10 years.
We pay $143/month year round to Xcel on our budget. Pretty good, I think! We have a smaller house with not much insulation...so we are doing ok.
Power outages - not very often at all. If I was in an area that was prone to them, I would just make sure to have a case of water and some bread/peanut butter.
Our bedding is the same year round - a fitted sheet and a mid-weight comforter. I hate flannel! And, the house stays at a nice toasty 66 or so - there's no need to bundle up when the house is warm!
We have never worried about salt, etc. what it does to the car. Everytime there is a nice (meaning, close to 40') day, we do the car wash. And the line is always a mile long...b/c that's the only time people around here wash the car in the winter....when you know the doors aren't going to freeze shut b/c of it!
I think you will have fun with it! Winter is a totally different way to have fun...sledding, skiing, fort building, it's great! Well...it's great until about mid-Feb and you start wishing for green and temps above 20!