My solution: 2 sets of wheels. (single speed) They're very quick to swap. The Nokians are life savers and I think they make it possible to bike through the winter. But I HATE riding on them if I don't need them. So I just really watch my route, and the weather, and if things are dry, I'm on the road tires.
I agree with the earlier post by tsl. Ice is the nemesis. Snow get's plowed around here really quickly. It's what's underneath that'll make you pay. And the most dangerous time is early spring, the freeze thaw cycles with snow melting days and cold nights, the mornings are the worst.