How much drag do studs cause? How much time would they add to, say, a 45 minute, 12 mile commute on dry pavement? I understand that they won't be used much (10% to 20% seems to be the norm for the winter). Is the tradeoff worth it? Or can you just be extra careful on days where ice is present and avoid having your entire winter slowed from the presence of studs?

I live in the Cleveland area where salt trucks de-ice everything all of the time.