I know the problem you are talking about very well as I am in Minne-snow-ta too. At least the part dealing with the colder temps anyway.
I see the same thing but if I take a longer trip so that the returning fuel warms the fuel in the tank, the pressure slowly gets better and better. At temperatures above 20 degrees or so, the pressure is always good. As a rule during warm temps, my fuel pressure is pretty constant regardless of the fuel level in the tank. In colder weather that may change and I simply had not noticed a difference. If my FP is above 5 PSI, life is good and I don't worry about exactly how many PSI it is showing. It will change as the weather condtions change, and may change slightly as the level in the tank changes.
As the temps fall, the fuel viscosity changes, making it thicker and harder to draw from the tank, which results in a somewhat reduced supply to the filter and injector pump and reduced pressure. I have had rather good success with either blended fuel and/or fuel additives, but the pressure will be down somewhat when colder weather hits.
I am planning to move my lift pump to a location on the frame, near the tank, probably with the Vulcan big line/relocation kit. I am hoping this will help. I don't think that you need to drop your fuel tank, the reduced pressures are normal. This morning it was zero *F here and when I first started mine this morning, the fuel pressure was down around 9 or 10 PSI, but had recovered to near normal levels of 12 to 15 PSI by the time I completed my 30 mile drive to work.
On the other hand, there is some neat information in this thread:
https://www.turbodieselregister.com/forums/showthread.php?t=162110
It deals with some gunk building up on the intank screen.