Thinking about Winter ... MTB or Road on the cheap ?

Yes im thinking about that time of year already - mainly because I have no winter bike this year and want to see what the summer sales bring.
Because I have spent too much on my summer set of wheels and sold my winter set to fund it, I'm thinking of buying a very cheap Winter training bike this time that will put up with the rotten weather and abuse for as little ££ as possible.
Trouble is a friend has swayed me to MTB which has made the choice a bit harder. He said the MTB will give me more for the money and also put up with a lot more abuse. The roads are bad around here in summer never mind winter so he may have a point. But the MTB will be heavy and draggy.
Ideal Max budget for this is only £500-£550 and so far I have struggled with ...
Road:
Felt F95 £520 (swayed by this as it looks OK for the money)
Mekk Pinerolo AL1.0 £590 (over budget but gets excellent reviews, lighter than the Ribble and Felt)
Ribble Winter Trainer £579 (£599 with same wheels as the Mekk but again over budget with good reviews)
MTB:
CUBE Aim 29 Disk £530 (no idea but has good it for the £)
Specialized 29er £520 (no idea)
Having not ridden A mtb for years is it best to stay with what you know and fit a set of mudguards to a cheap roadie instead?
Because I have spent too much on my summer set of wheels and sold my winter set to fund it, I'm thinking of buying a very cheap Winter training bike this time that will put up with the rotten weather and abuse for as little ££ as possible.
Trouble is a friend has swayed me to MTB which has made the choice a bit harder. He said the MTB will give me more for the money and also put up with a lot more abuse. The roads are bad around here in summer never mind winter so he may have a point. But the MTB will be heavy and draggy.
Ideal Max budget for this is only £500-£550 and so far I have struggled with ...
Road:
Felt F95 £520 (swayed by this as it looks OK for the money)
Mekk Pinerolo AL1.0 £590 (over budget but gets excellent reviews, lighter than the Ribble and Felt)
Ribble Winter Trainer £579 (£599 with same wheels as the Mekk but again over budget with good reviews)
MTB:
CUBE Aim 29 Disk £530 (no idea but has good it for the £)
Specialized 29er £520 (no idea)
Having not ridden A mtb for years is it best to stay with what you know and fit a set of mudguards to a cheap roadie instead?
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Even on mtb's a lot of owners fit solid front forks to avoid looking after their good ones. Cheap (sub 250ish?) forks don't have such good seals as a rule, so you'll need to strip and clean them now and then. I don't believe in spending much on my mtb as it's there to get filthy! So I have a half decent set of forks I can strip, clean and oil in quarter of an hour once or twice a year.
Specialized Roubaix SL3 Expert 2012, Cannondale CAAD5,
Marin Mount Vision (1997), Edinburgh Country tourer, 3 cats!
Having been on a roadie for years I guess its too much of a shock to move to a MTB tank on the roads in winter.
Next question is.. Is the Felt F95 a good enough bike!?