I don't have TC or PSM, and I plan on driving in the winter. I have got some good snow tires, and chains, so hopefully will not have any problems.
Just remember that those systems keep you on the road when you mess up, they don't do anything until then (That is my understanding of it). So if you don't try an make a sharp 50mph turn on an icey road you'll be fine. Plus, people drove just fine in snow for like 80+ years, before PSM, or TC so I wouldn't worry about it.
