If you're in a major metropolitan area that isn't particularly hilly, say Chicago, Minneapolis, etc, then a quality set of all-season tires with a M+S rating would be a good choice. Generally, there will be no requirements for snow tires or chains in major cities. Check
www.Tirerack.com and Consumer Reports for some ideas.
If you're in a hilly or rural area that gets a lot of snow, then snow tires may be essential. The same two websites above have ratings and reviews on winter tires, too.
Road regulations on snow tires usually apply to mountain passes and specific stretches of road. Sometimes snow tires are enough, other times you may have to have snow chains. It all depends on the area where you will be driving.