Hi, welcome to the forum!  Glad you joined!
Some chickens skip the molt their first fall/winter but some don't.  Therre was a recent thread on the forum where a RIR pullet about that age was molting but her same aged flock mates were not.  Yours sure sounds like molting to me.
Some chickens are fast molters, some are slow motlers.  It's not about how fast the feathers grow back after they fall out, it is how fast they fall out.  A fast molter can have bare spots as the feathers fall out so fast.  You cannot tell by looking that a really slow molter is molting, the feathers fall out so slowly.  But You can see some feathers flying around. 
When a hen is laying, her comb and wattles are typically red.  Thats the way the rooster can tell she is laying and her eggs need to be fertilized.  When a hen is not laying, such as when she is molting or is broody, her comb and wattles turn pale.  That tells the rooster she does not need to have her eggs fertilized.  It doesn't matter if you have a rooster or not, these changed typically take place anyway.
Even chickens with bare skin (like Naked Necks) can usually handle cold weather pretty well.  Your hen is apparently a slow molter, no bare spots.  She should be able to handle that cold weather fine.