I only have one commuter and run it with studs in the winter. In rainy weather or down to 25F I wear Pearl Izumi shoe wrappers over my mountain bike shoes, it works fairly well.

I love the belt drive in any inclement weather. The sidewall on the Xerxes studded on my rear wheel began to delaminate, and I replaced it with the heavier Schwalbe Winter 30mm studded, will probably do the same up front.