I've been doing all of my grocery shopping by bike and other errands for the past few months but now heading into winter I'm wondering if I will need studded tires? I live on top of small mountain so our roads are often covered w/ snow, but once I get into town, I'd be riding on pavement which would usually be clear. What type of tires would be best for this situation? I'm really concerned about ice which even if the roads were mostly clear, there would still be patches of ice and snow to contend with in my daily round. Thanks!