My take is the Philly area weather does not justify a dedicated winter tire, especially with FWD. Even assuming you do several trips to ski in Vermont, the chances of getting into deep new snow are slim,.
I disagree with this on several fronts:
a) black ice happens everywhere within hours of a cold wind - even last year DC had an overnight where black ice formed during rush hour. No road crews on the planet can amend that and several hundred collisions and ditchings were the proof.
b) the extra grip of winter rated rubber also makes a difference in dry conditions AND in wet-but-not frozen conditions like we are having right now. Especially in cross winds.
c) Skiers
look for storms. The chances OP will find winter weather on I87 or I91 or I93 or I89 are exponentially higher for skiers because winter weather is an opportunity. And thus I have been on I87 with 6" inches of snow on it.
d) Yes major highways get plowed but off-ramps and side roads don't. Not having winter rubber means not being able to leave the interstate in a backup and being stuck with everyone else - who also don't have winter rubber and will be sliding towards you.
e) The less experience someone has driving in winter weather, the more they need the extra grip of winter rubber when winter weather happens. Living in the Mid-A is therefore a handicap - and winter rubber is the cheater.