Sorry to hear of your injury, RedStrong. We all appreciate your commitment to responsible riding.
Right now we are in freeze-thaw season. This makes for highly variable trail conditions. Depending on the sun, temperatures, and a seemingly endless number of factors, the trails, and even parts of the trails can vary from awesome to terrible throughout the day.
The important thing is to use good judgement and stop riding if you're damaging the trail by leaving ruts.
Right now, skinny tires are just fine and studs won't cause any damage. After we get a snowpack things get more unpredictable. Fat tires can run at lower pressures and offer more float in the snow. You get more chances for better rides on a fat bike in winter. There will be times when skinny tires will be ok too, mostly once the snow has packed down to ice, and then you'll appreciate the added grip studs provide.
IMO studded tires are well worth the investment, and studded fat tires, even more so.