Performance in the winter on cold and/or slippery surfaces is a combination of stability control, tire grip, and operator skill. There is no question, and lots of testing to prove it, that a winter tire is safer when the conditions deteriorate. If you need that extra couple of feet of stopping distance or g-force to turn to stay out of a ditch or miss some other object, you'll appreciate the difference. Now, how often that occurs, depends on you, the conditions, and your skill level. Most places require you to own insurance for those 'what-if' situations. Look at winter tires as insurance. You hope you never need them, but when you do, it can make all of the difference. IOW, until you get into an emergency or stressful situation, you may never 'need' winter tires, but you are MUCH more likely to run into problems in the cold if you have summer tires or all-seasons verses the 'proper' tire for the situation. In some places, you can be fined if you do not have the 'proper' tire on the car, especially if you have an accident. They do that for a reason...it's proven to help preserve life and property.