Braking distances are the only true bonuses, and black ice…Matino it doesn’t matter what tires you have, you’ll be spinning out or losing control either way. Thanks for the worse case scenario outlining, I’ll definitely drive safe and stick to how I drove last winter with my all seasons on lol. And lying to insurance companies, it doesn’t matter since your in the same boat, you screw up, your screwed and flagged depending on what you held back on telling them;)