Last winter I rode 3 on and 1 recovery and as long as I kept my TSS under 600 I was good all winter. I did take 10 days off training with casual rides during a SouthWest thaw out. I turned 60 last winter.
I do watch my resting heart rate and HRV pretty close along with the desire to train. If any of them said I need an easy day or full day off I listened.
Looking forward to this year’s improvements with more structured training.