Black ice will get you... studded tires that is the main reason i have them.
What do you do when it's freezing but really sunny all day and snowmelt is everywhere? baby the bicycle all the time? You'll cross an area that was in the shade 30 minutes ago and eat ****.
I also recommend against clipless, it can makes the difference between landing on your head and shoulder or getting a leg out in time. That is a big difference.