If you are doing more than 75-80% road driving, buy an aggressive decent A/T. About a third of my driving is on gravel roads, forestry tracks and off road. I do 70-80,000km a year.
I used to run only M/T's, new set every year, just before winter. Used to swear by decent M/T's, would get 60km out of them before they were buggered for off road then maybe 80km before they were dangerous on the road.
M/T's may as well be a A/T once they're third to a half worn. For beach driving, an aired down A/T is better than a M/T - check out some 4wd tests in Aussie.
I went to Mickey Thompson A/T's and I've run two sets in 36 months, nearly got 100k out of the last set, done 60k on the latest and not half worn, and I still drive the most of the same places as I did with my M/T's.
Decent AT's have come a long way. Road manners are way better and they last longer in my opinion.
I do carry a set of icebreaker chains in winter just in case I need them.
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