Thanks for this! I biked many years throughout the year to work in Finland but after series of bronchitis hitting me on consecutive winters I quit winter biking. I'm thinking maybe I could try again - and given your analysis I'll not let my lack of winter tyres stop me :)
Just avoid slicks (d’oh!) and you’ll likely be fine. The only concession I’ve made to winter conditions is riding at slightly lower tyre pressure to get a larger contact surface. In snow it doesn’t make much of a difference, but on ice it works wonders.
As for the bronchitis, I’ve luckily steered clear - but a colleague of mine who had it good and hard a couple of times swear that since he started wesring a mask, he hasn’t had even a hint of it.