Winter tires are "technically" not required in Ontario. But if we do have a set, there will be some discount in the insurance premium (it was about 80-100 dollars per year in my case, which is not so much as I expected). I know some people don't really use winter tires because they live in apartments and there is no space to store the other tire set. Definitely, winter tires are strong recommended, though. But they don't overrule good driving skills.
Putting that aside, according to my friend, car supply chain seems to have resumed. New cars have been delivered much earlier than people anticipated. Therefore, second-hand cars will hopefully be more affordable in the next few months. I am looking at buying my husband one, so I really hope this is true.