Returning to add:
I agree with most people who say that a good front wheel drive and snow tires will handle MOST winter driving conditions, PROVIDED that the local streets department has an adequate response and the appropriate equipment for snow removal and street salting and sanding.
Here in Iowa, the plows hit the street at the first snowflake, and continue through until it stops.
I have lived in other areas, farther south, where that was not the case. Not fun, or pretty, and scary.
Now for me, I DID put my 4-wheel drive to good use last year, when my Highlander spun out on a patch of melted/refrozen ice during the spring thaws. I ended up in the ditch off the country blacktop, facing the other direction.
After a few moments of thinking, "Gee, NOW what?", I put the car into "snow" mode, rocked the car between D and R a few times, and drove out of the ditch.
I don't think I could have done that without 4-wheel drive.
(After that, I got the tires replaced, since they were almost bald . . .

)