If you talk to people that live up north, they will tell you how they drive in snow... Carefully. As they get to stop sign or light, or curve in the road, they start slowing down 4 times earlier. They give themselves plenty of time to correct if wheels lock up. And they are probably driving with real snow tires not all seasons.
Go to youtube and look up pile-ups on highways. It is horrendous. If that will not frighten you to death, nothing will. I am amazed at how fast people will drive when they have absolutely no visibility and/or conditions are treacherous.
And if weather ever threatens ice rain or conditions are icy... stay home. 4wd will do nothing for you on ice, unless you have metal studs in your tires or chains.