Mostly slush, cold rain, and occasional snowy/icy periods here in Niagara Falls.

Questions:

Disc breaks - Good idea? Bad idea? Great idea? Can I get by fine without them? Price range if they are neccessary?

Fenders - Looking to keep my back and legs 95% dry. DO NOT LIKE BEING SOAKED. I want to be riding full time, because I don't have a gnarly job, so I really can't afford to drive anymore. Link me to some stuff.

Snow tires - Worth it? Can I use them in wet conditions without causing wear? Are they better - How much better? Metal Studs, or another style?

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Basically looking to stay alive and stay dry.