Riding in the winter I usually use my cross bike with disk brakes, and I run it with 37mm continental winter tires (no studs). I tend to ride only when the roads are somewhat clear, though I often ride over small patches of ice and long sections of well packed snow. So long as I'm careful, I'm confident and have been able to stay upright. I have a touring bike and was thinking of using it more frequently in the winter, with these conti winter tires, and then getting studded tires for the cross bike. Compared to the winter riding I'm already doing (mentioned above), will the studs allow me to ride when there is more snow, or when there is more likely icy sections, or that slippery snow after it has been packed down and crusted a bit? I'm wondering if it's worth my time/money going the two-bike route (fwiw - I live outside Toronto).