It does suck to think of dropping that kind of coin especially after you just spent a lot. BUt the stock tires are crap...i wouldnt trust them in the snow....i just got my recent Petersons 4x4 mag and they had a test on the Cooper AT3's and everything they could throw at those tires they took and then some.....it looks like an excellent tire all around. i can scan the article if you would like. But there are some good threads on here with the info you seek on which is the best AT tire which i think is going to suit you best. Also keep in mind that those stock 20's are heavy as sin. and 20" tires are pricey as well....you might could find a set of 17's for the winter which i see a lot of guys doing...having 2 sets (one for winter and one for summer)