I have to ask.
Unless you live out in the wilds of the countryside, or perhaps the Highlands of Scotland, do we really need winter tyres on any family car in the U.K.
I probably agree the use of steel wheels in the winter, but in over 60 years of driving, I have never had to change the tyres on any vehicle that I have owned, for winter driving.
It's obviously important to ensure that your tyres are in good condition at all times and when the road conditions are poor, surely you accordingly?
Winter tyres are like chalk and cheese with summers in ice and snow ( or even just cold and wet roads)- I used to be out to get to work very early and before I got winters I used to have to go out even earlier and clear the hill out of our estate and salt it from the bins, not what you really want to be doing at 4AM. After winters fitted I used to sail up the road and left the untouched road for later users to get stuck on ( I doubt they ever realised I had cleaned the road for them before) a lot of cars on our estate used to park along the main road about half a mile from our estate and walk rather than try to get up or down the twisty hill. Remember that winters are much, much better for steering and braking as well, it is not all about traction, more about grip. IIRC roads in Scotland have a much grippier surface than English roads, there are warnings on my motorbike forum about extra tyre wear when in Scotland......
I have been through some of the worst winters in living memory on cars ( some rear wheel drive with a bag of sand or a paving slab in the boot ) with summer tyres but it was a struggle and you were always liable to get pretty well stuck and need outside help with pushing, but with winter tyres it is a breeze. My wifes Nokian WRD3 are on their 4th winter and the present Nokians on my Civic on their 3rd while the alloys are snug in the garage ready waxed for spring. If you want to use steel wheels in winter what is the point in having summer tyres on them ? Winter tyres are not as expensive as summers anyway, and while your winters are wearing your summers are not. It is also easy to wash down steel wheels and slap a coat of Hammerite on them if required, something you would not do with alloys which can get very expensive to refurbish properly. Alloys really take a hammering when roads are salted, and steel wheels protect the brakes ( especially the stupid Jazz rear discs) from a lot of crap because they have far less open area than alloys.
I am happy when my wife goes out in dodgy weather that she can get where she want to go and her tyres will not be the cause of her getting stuck somehwere, we have some pretty good hills in Shropshire that are deadly when snow on them.
The only real extra expense is the steel rims, as your summer tyres get no wear for six months of the year - but unlike alloys steel rims last for ever with little care. I suppose it depends how long you keep a vehicle and if the rims will fit your next one as I doubt many garages or private buyers would want to pay for your steel rims / winter tyres when buying the car.
here is a great test and video for anyone who doubts how good winter tyres are. Two videos, one at the snowdome and another showing tyres when road temp is below 7 deg C.
https://www.autoexpress.co.uk/car-news/66692/winter-tyres-4x4-grip-test-video