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Agree with the above. Snow tires will prolong the life if your all-season tires, so in the long run the cost is minimal. If they save you one accident, they've paid for themselves anyway.
Chains are wise in addition to winter tires if you go through very snowy areas, but as mentioned above they are only useful in severe snow conditions and at low speeds. You use them for short periods of time. They aren't meant to be mounted and used all winter.
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