FYI, I was born in Vermont and went to college in the UP of Michigan. As I said, when I lived in Vermont, the only 4wd's were a few surplus army jeeps, and FWD was unheard of. I was a kid then, but my dad, my granddads all use snow tires on the rear only and seldom used chains. But then, they didn't feel the need to go 65 mph on the highways during a blizzard either.
About this time last year, I was working on a windfarm that had only dirt roads. The roads were very steep and often muddy. They told me that I would not be able to get up to most of the turbines without 4wd. I don't think National rental wants to know where I took that Dodge Charger of theirs.
The question I heard the most the first couple of days was "How did you get that up here?". One one occasion, the road was blocked and all the guys in the 4wd's said we couldn't get to the turbine, until I made an alternate path with the Charger, then they followed.
Yes, I do live in Tennessee now, but we get ice storms here. They are a lot more difficult to drive on than snow. Its interesting to watch (a few) of these rednecks in their big 4wd trucks blow past me on the highway, and then see them again a couple of miles down the road, in the ditch.
When we have a snow or ice storm here, there are a lot of accidents, but I remember that when I lived up north, there were a lot of accidents on the day of the first snow storm of the season. People were not ready with their winter tires and not used to the snow. Down here, we seldom get more than a couple of snow or ice days a year so we never get the winter tires, but most people figure out to SLOW down by the second day.