I still think you're missing the point, you drive within your vehicles capabilities.
Say you have a BMW on summer tyres, you'd be all over the place at walking pace, you drive past them in a Defender with A/Ts at 20 mph, does that make you irresponsible to be driving 4 times faster than them?
Now you're overtaken by a Fiesta with winter tyres doing 30 mph, are they irresponsible? They could still stop quicker than you even though they going faster.
I've driven to the Alps many times, a couple of times with snow on the road the whole way, passed hundreds of people struggling with summer tyres. It's not viable to run chains for hundreds of miles, so they end up crawling along, yet with the extra grip of winter tyres you can drive relatively normally albeit a lot slower than normal motorway speeds.
You mentioned cost previously, apart from the initial cost it doesn't cost any more to be safe, you're only wearing one set at a time after all. Buy your winter tyres in the spring/ summer when deals are to be had.