The fuel will look literally like jelly. It may gel in areas you can't see, like the fuel line and fuel filter, then the symptom is not starting, or starting and dying.
I buy fuel from regular gas stations (not off-road diesel) and have had zero problems. I have had two diesel vehicles through two winters and both were fine without any fuel treatment, with temps as low as -10 F. I am in Michigan and it's reasonable to expect all stations here to sell winterized diesel. My tractor is in its first full winter and to be cautious I added Diesel Kleen to the tank just to be sure, especially since I haven't burned much fuel since September or so and therefore had some summer diesel in it still. If you have any doubts I would just add some anti-gel before you have a problem, and that should be all it takes. I would not use more anti-gel than the instructions say because they can be harmful to the fuel system in excess amounts.