The whole need for winter tire thing also depends on how much plowing your area does. When the "blizzard" hit Indianapolis last week, there was barely a plow to be seen for the better part of the day. It wasn't until the snow stopped and the damage was done that the plows came out in force. You'd be well served with snow tires if your area has a tendency to just leave roads unplowed. People who live in areas with adequate plowing during and after a snowstorm can probably get about fine on just all seasons. It all depends.