I'm not sure if I'm an idiot who's just missing the point, but I don't see a big additional cost in owning winter tires.
Let's say I drive enough kms to need new tires every 4 years. If I drive on one set of tires, I need one set of new tires every 4 years. If I drive on two sets of tires, I need two sets of tires every 8 years. I still buy the same number of tires over 8 years.
Sure that's a simplification (I don't drive on my winters 50% of the year), but you get the point. If the frequency with which I buy tires only depends on the kms I put on them, I spend just as much money having two sets of tires as I do with one.
Oh, and I bought a set of steel rims for my winter tires so I can switch 'em myself in my driveway... So no additional cost there.
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