Never had winter tires on my vehicle (my wife's car does).
been driving 22 years, never had an accident. I must be really really lucky.
That being said, it is hard to deny that they grip the road MUCH better. Now that I have 2 kids, I've been looking for winter tires and rims at a decent price for my truck. The $300-$400 quote on here might be fine for a compact car with 14" tires, but I haven't found anything under 1k for my truck.
Until then, I'll continue to use my defensive driving training to avoid accidents.
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