This could have gone under commuting or winter, and I did searches there, but I hope to get a NYC specific response. I've been a fair weather winter commuter the past two years but I want to tough it out a bit more this year.
1) Studded tires=overkill? I'll be riding a 26" beater when it's icy/snowy and a road bike when it's dry or just wet so I could have studs on the beater.
2) Any other city specific things that you've learned from past winters? I think I've got the clothes thing down, but any tricks for that or gear would be appreciated.