I have Schwalbe studded tyres on my MTB just now. They help on ice, but they do not defy the laws of physics - especially on rutted icy surfaces. I was out last weekend on a local hilly back road and at least I stayed upright. Without them I would definitely have been on my ar5e.
Regarding riding in bad weather. I really don't think some of our southern friends appreciate the severity and frequency of the wind, rain, and ice that we get. It's easy to avoid it or even put up with it if you only get it on the odd day or two in a year. A different matter when it's one or the other for pretty much 4 months of the year.
Once you have come off on ice and injured yourself, you won't be doing ANY miles until your collar bone/wrist/arm/hip has recovered, a few months down the line. It's not worth that risk. Just ask
@Mo1959 (collar bone) or myself (hip, 2 years ago and it's still not right). Sorry for the OT post.