Last Sunday, I crossed Lake Mary with no reservations. No water around the edges, no whomping or cracks, I felt perfectly safe. I grew up ice fishing on Lake Mary.
Today I crossed Duck Lake, Pika, Barney, and Skelton. All were perfectly safe in my opinion. It was cold last night and there was a cold north wind blowing all day. The jet stream is hammering straight down on us right now. If we get a warm spell, I might have second thoughts, but right now you're golden.
Edit: After reading your post again I wanted to add that I pay attention to local weather (temp) history, open water around the edges, standing water in the snowpack, lake depth, exposure to the sun, visible cracks/splitting, and once venturing out, listen and feel.