Do you swap wheels or have a SS/Fixed gear? You should not have to re-align your brakes whenever you take out the wheel unless you have horizontal drops or different wheels.

If you have different wheels that do not match up just right you can actually get some shims designed for spacing a brake rotor from the hub to make them fall in the same place so you do not have to adjust your brakes with each wheel swap.

To the OP, I usually ride through the first snow with my regular tires on and if it looks like it will keep snowing then I will give in and mount the studs. Around here the snow/ice does not seem to last long other than on the mountain bike trails though.