In New York, you need approx. 20 frames covered in bees and 12 to 15 of them full of honey and pollen for the hive to live through the winter. Any honey after that, you can harvest. As JP said, to stack nucs that high would be impractical, and would be impossible for a colony to heat during a NY winter. In your area, 2 10 frame deeps and 1 or 2 medium supers is the best setup for a new beekeeper to have honey for harvesting and bees alive in the spring.