You guys over think things too much. You are not going to die if you drive your summer tires in the winter. If you get hung out and bad weather hits, drive appropriately or hunker down if you don't feel safe. If you regularly get snow/ice it would be a good idea to get a dedicated set of winters. If it is cold and rainy, drive like you are using summer tires in cold and rainy conditions. They are not going to shed the water as well so slow down.
Hankook summer tires.
Federal all season.
