Welcome ginny! I ride on studded tires all winter -- I just stick with them. It works OK. You get a good work out riding on those! ...But it seems like if you could afford to have an extra wheel set lying around, I'd go with switching those out if I could. In my experience studded tires tend to be significantly more difficult to get on and off than your average tire.

Speaking of studded tires, ladies, what do you think: I have Hakkepelita (forgive the spelling disaster there) 700x40C studded tires right now. I'd like ones with a reflective stripe, and the Schwalbe Marathon Winter HS 396 has that, but my LBS tells me they can only get it in 35C. Would the difference in width make you rethink the swap?