There are other threads discussing this same concern. Some people change wheels for the road conditions of that day. But it never made sense to me because road conditions can and do change drastically within the day.

So like others, I leave my studded tires on and do ride on dry pavement. I don't worry too much about wearing down my studs. I do have a pack of spare studs in case I need to replace some but it's only been about four years of winter riding and I haven't noticed anything bad about them yet.