I ride with 2 studded tires from November to March. It's dry almost every day during that time, but I have 4 miles of gravel which is icy all winter. It's OK to ride studded tires on bare pavement as long as you don't ride aggressively (hard cornering, hard braking, etc), that tears studs out.

If you had steel studs, it'd be a different matter; pavement would wear out steel studs in one or two hundred miles. But good studded tires use carbide studs, and the tire will wear out before the studs.

Personally I've never had a flat with the studded tires; I think it's because of a combination of less debris (gets embedded in ice and plowed off the road) and the fact that the studded tires tread is pretty thick, compared to the marathons or other thin tires I usually ride.