Last season I finally got Winters (cheapo Michelin X-Ice for $80 a tire).
I decided to get them after I couldn't get up a snowy/icy hill. Conquered the hill with the winter tires.
I have to say I'm very pleased with the winter tires and don't regret purchasing them.
It's still an added cost, so I can see why some people won't automatically get winter tires but I think it's a worthwhile investment.
In the end I spent
$78 a tire X 4 = $312
$100 for shipping/duty from the US
$50 for a steel rim x 4 = $200
$40 to get the tires mounted on the rims
$652 total + about 1 to 1/2 hours during the season changes to change my tires.
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