i have yet to try either kind... we, or rather my s/o tried to make some last year, but we forgot to account for the clearance factor on the brake arches... so learn from our mistake if you do try to make your own!
studded tires might actually be more dangerous for me to use on my regular commute: i live downtown in a big city so the main streets get plowed right away, and there are a lot of streetcar/train tracks, sewer grates and other such slippery metal obstacles.