I've ridden in wintertime (snow and ice) for 60 years without studs. After the second crash in a few weeks, two winters ago, I required a visit to the ER..... Don't need to be out there---- LOL.
I checked into studs, and decided it was just too much hassle because of fenders.
At 69 years old, I decided to just tough it out on the Airdyne during snowy weather........ I can just polish and wax bikes, to get them all ready for spring....
My wife is happier, too!