New Tire Question - Switch Now or Later?

[DumboX5]

Gents - 1st of all, I just picked up my new X5 last Saturday. It's an absolutely amazing vehicle. 4.8i, silver, black, tech, prem, sport + 20, running boards, auto rear hatch and a few other things.

My question is that the 20" RFT's are tough, they really ride quite harshly. I was going to change anyway to All-Seasons and am leaning toward the Toyo's.

Here is the question, I live in NYC (mild winter) so do I change them now or just before winter? My thought is that I could run the Toyo's for awhile and then switch back to the stock RFT's sometime before the 3 year lease is up.

Any thoughts?