The income thing to me isn't even a valid excuse anyway. You are splitting the time between the two sets of tires pretty much doubling your tire life at twice the cost. It basically a complete wash. If you buy them on a set of steelies, and spend 30 bucks on a floor jack and 50 bucks on a torque wrench.... You can swap them for nothing.
I would actually argue, that in the end, it probably saves you money, because they SIGNIFIGANTLY reduce your chance of collision in the winter, and if you averaged out what the deductible cost and insurance premium increases would be as a result of a collision, in the end you are likely going to come out ahead.
A huge portion of the "I don't need winter tires" crowd, has simply never driven on them. Working at a car dealer, it is amazing to see the reaction they have after they have tried them. It is almost an instant change in philosophy, they are that good.
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