My DH's winter bike is a Specialized Tricross. His is a couple of years old (he's actually owned 4 Tricrosses and he's never done a cross race!). Yes, it should fit studded tires. His does, though he doesn't ride with them very often. He's a cold weather wimp so there is pretty much NO WAY he'll go out in the snow. He does like to tool around our farm with the big tires on though.

His is set up as a rain bike - full fenders, wider tires, rain proof rear rack, lights, etc.

My 'winter' bike is a Terry Classic steel touring bike. I run slightly wider tires (gatorskins or some other such flat-protected tire), fenders, lights etc. Like Mimi, we don't get much snow here so I really have no need to ever ride in it. The way people drive here when it snows scares the crap out of me so there is no way I'm going out on the roads with them unless I'm at least somewhat protected by a vehicle with doors and a windshield!