Hi Lew!
I've always put winter tires on....not only for the insurance discount, but for safety. Ever since I spun out on the 401 back in the 80's, I've had them! They truly make a difference! I found a guy who comes to my driveway and switches out my tires, my wife's and my son's......for $50 a car. Yes its costly up front to get rims and tires, but if you live in Canada, they are a must. I'd support them being mandatory.