I don't use studded tires. Street lighting at night is decent enough to see ice on my route.
When there is uncleared snow, patches of ice under that have a good chance of getting me. I do fall a couple of times a winter, usually under difficult conditions at a slow speed. No broken bones or even a serious hurt from those falls.
Money is always an issue, so if I do go with studded tires (not likely) I'll try making my own. There is a lot of good info about that in the sticky near the top of this forum. The part I liked most was that you can put the studs at the outside edges of the tires. At full pressure they won't come into play, but if you hit icy conditions, you can let a little air out.
It might take a couple of tries to get that right, but it appeals to the handyman in me.
(Jack of all trades, and
master of toilet tank mechanics.)