I ride in the flat lands, low lands. No hills, no sudden snow. With lots of bicycle lanes, that have heating pipes going beneath them. So if there's no snow forecast, I ride the regular bike. If there is snow forecast, I use the ancient MTB that has studded snow tyres mounted - the winter hack. When I check forecast in the morning, it is 99,9% right about snow - never have they NOT predicted snow and snow fell. So I gues for me it couldn't be easier - having 2 bikes makes it a piece of cake.