Hello ArthurC:
When I needed studded tires, I decided to "save" some money and buy the studs and a simple installation tool and stud some "studdable (already had holes in them)" tires that I had. In my opinion that was a mistake. The cost of the studs was significant and the time and effort to insert them was great. I'm sure someone with better technique could complete the job in a quarter the time and blisters it took me, but even so I think just buying the tires with studs would have been a better plan - especially if one didn't have a new set of "studdable" tires sitting around. Thus my recommendation is - you're correct just buy the studded tires! But be ready for some sticker shock....
Howard