I can't decide when to put the studs on... I ride to work in the afternoon, at 40-50 degrees (no chance of ice there), but home in the morning at 20 degrees. I worry that there is a chance of frost/ice out there. If I put the studs on, I'll be wearing them out prematurely, but if I don't, I'll risk a broken neck.
I didn't mind the $60/each tires so much, until I realized that I can buy tires for my car for $5 more. Hmmmm.... that's just wrong...