I'm never off road except rarely gravel or grass. But I tow daily transporting new TTs & boats from the Mfgs to dealerships all over the country. Many grades especially out west require either chains or 4WD or you are not allowed over the pass in inclement weather as identified by marked flashing lights prior to the grade. If caught going over without you can get ticketed & fined. And if in fact you get stuck and especially if you cause others to be stuck or stop the flow you will be fined hard with points against your driving record. This is especially bad for CDL drivers.
Naturally you can buy chains & install but it's sure nice not to have to stop & do that in the cold wet sloppy snow at the bottom and again when you get over.