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It only snows 2-3 times a year here in Middle TN. My xi with all-seasons should be fine.
I'm definately in the minority - I like the RFT. 2 flats this last year - no problem driving on it for a day or 2. I shelled out the $$ and bought tire insurance from the dealer at purchase. I was reimbursed for each tire promptly from the insurance company - $360 for each tire, replaced by the dealer, dealer took care of all of the paperwork.
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