Stock take offs are someone else's stock wheels that they're selling because they bought other wheels. You can usually find them somewhat cheaply.
Get on TireRack, build some wheel and tire packages, read reviews on winter tires, and learn some things about your subject. If you walk into Billy Bob's tire shop and just say you need wheels and tires, they can tell you anything they want and you'll believe it because you don't know any better.
http://www.tirerack.com/content/tire.../packages.html