Our winters are usually cold, nights especially can go under freezing. We are zone 6B. Anyone familiar with US zones, please let me have your opinion on inside vs. outside.
6B is not too cold. I am in 7, and pretty much all my 150 trees are outside yearround, exception being things like brazilian raintrees, and my olives and pomegranates get some protection.
I am not sure why people seem to think you do not fertilize in winter. If you keep this indoors and the tree remains n growth, fertilize. When the tree grows it builds new branches and leaves. And the tree will need some building blocks that are not naturally in the water and air. As said, when you add fertilizer to your houseplants, do so for this plant as well.
If you have the place, I would however put it outside. The tree will go dormant, and return from winter stronger than when you keep it in our dark dry houses.