Looks like I have confirmation - I think I already knew that I would have to get the studded tires, but I was trying to avoid buying them before the holidays. I have friends who are commuting on cyclocross bikes with regular tires and saying it's fine, but then I find out that these are people who are not riding through the city (where the very slippery salt crap is). I wish Buffalo would not use salt and just let the snow pack with sand, but that's not going to happen, so out comes the credit card. I'm getting the Schwalbe Marathon Winter studded tires, by the way, for anyone who's interested. I use front and rear lights all year round, rear light on always, even during the day. Thank you for the replies!