As far as snow tires, I think a big question is the type of vehicle you are driving. We have 2 cars a BMW X6 and a Lincoln navigator. We have never had snows on the Lincoln and it is completely fine. For the Bmer, I have snows and it makes a world of difference. For that car, I bought and extra set of rims so I can just swap them myself in the spring/fall. There really is no extra cost in buying snows - as you double the life of your summer tires. It is just a PITA to do the change over if you can't DIY.