You're right on, Stuart. I talked with my pal tonight that works in Estes, and he mentioned that several shops on the main street have shut down for the season. Some had flooded basements, some figured the tourist flow would not be worth it, etc. It's nearly impossible to get to Estes from Boulder, so most locals are thinking about doing other things right now.
Today, I chose to dodge several road closures to buy some pinon wood for the winter down in Arvada. Not really an easy afternoon. Things are still messy all along the northern Front Range.
And forget trying to see the classic aspen color in RMNP...