Personally, I'm too lazy for winter wheels, with the implication that I'm going to check conditions every day and change out my wheels accordingly. If I were you, I would keep the studded tires on the bike all winter. There's always that one random frozen puddle hidden in a shady dip on an otherwise beautiful day as well. I think this year I will keep my studded tires on and switch to my wife's bike on beautiful days. Another option is to install one only (on the front) when conditions aren't that bad.

For reference, I didn't even use my studded tires once last winter here in New Jersey. We had a record warm winter. Didn't set up the kids ice rink either. Still very comforting to have them however when you need to get to work. I love describing them to my coworkers.