hmm well this will be fun to try. I have a cross-check with studded tires. I actually like riding when it's freezing out. I figure I can make more in the cold when people don't want to walk a few blocks at a time. As long as I have blankets and whatever.
My Cross-Check has a flip-flop hub, I actually prefer to ride SS in the summer and fixed in the winter when it's icy. Two brakes - caliper for the back, disk on the front. So I think I could still pull it off with a full load.
This will be interesting. I think it sounds like a fun way to make a few extra bucks.