I do not know how long it would take or the conditions for seperation to occur. I do know that gasoline as produced today is no longer stable enough for long term storage. It really should be called car fuel not gasoline. If it were me I would run the tanks as dry as I could, if not empty, and then add one of the fuel stabilizers. Gas has been manipulated so much it does not resemble the gas I grew up with, they have done this for emissions, getting more gallons per barrel of oil, and more profit. I don't know about very cold climates, but down here, gas deteriorates in short order. My friend parked his car at my house while he was overseas working in Iraq. 6 months later, it would barely run when he went to take it home. We spent a couple days working on it before we decided it was the gas. We drained the tank and it smelled nothing like gas. Put in new fuel and it ran like a top. The next time was 98 days of storage, and the thing ran very poorly until he went and topped it off with some fresh gas, and it cleared up after a few miles. I have since found out that gas starts to deteriorate after as little as 30 days. This situation is really talked about by the small engine manufacturers, like lawn mowers and snow mobiles.