I don't shave my legs much in the winter either, only for special occasions and only below the knee in the winter unless I'm going swimming.
As for how far "up", I only shave what can be seen when wearing shorts, nothing higher. My bathing suit has a little skirt on it, so no one is going to see what's above it anyway. :D
I have dry skin and have to use a moisturizer any time I shave my legs.
Chin hair? I thought those were misplaced eyebrows! :lol: :lol: