I have snows, but I can assure they most certainly DO cost you more money. They wear out at LEAST twice as fast, And my experience is that they wear out quite more 'unevenly' than regular tires do. the cost of changing over twice a year is an extra, or, if you have dedicated rims, the cost of those rims.
I don't think they are a necessity. I have them, I like them, but they aren't necessary. Just better.
Why is it that some people seem to think that just because something is safer it is therefore dumb not to have it? You want safety, wear a helmet in the car - guarantee you that that will save a lot of lives.
How a person drives is far far more important than having snows.
Burt everything you've brought has been discussed in this thread and put in perspective.
Yes, the winter tires wear a little quicker, they're softer, but you've only got them on for Nov to April, 5 months at most. If they're wearing too fast you might be keeping them on too long. I didn't put mine on this year until two weeks ago when the temperature reached 7C in the day time. They probably wear too unevenly for your tastes because you don't balance/rotate your tires periodically.
The tire rotations have to be done anyways, so putting the winter on then taking them off are just the same as rotation, no extra cost.
There are very few vehicles that can have steel wheels and you're forced to buy mags. I don't drive one, so it doesn't bother, but if you are then you can afford another set because they're expensive cars. A set of steel wheels should cost around $200, I paid $120, and if you think $200 is too much to spend every few years then you really cheap. Save some money and buy another car that takes the same wheel or sell them to someone.
Your safety factor comment is just stupid. If you want to die, feel free. The worse thing to happen is that someone else is killed. Your driving habits may be ok, but you can't count on other drivers.
Did you read the thread at all or just the first and last part?