Terry, I've no doubt that you're probably a very good driver, but the "we don't need no fir bu fir cause we used to walk uphill to school in 2' of snow both ways" sounds like something my dad would have said. Rest his soul, he would have been 75 now......so maybe I answered my own question. He never would buy a 4x4. "Waste of money" he'd say.
I've driven plenty of 2 wheelers. Studded or chains in the winter. But I discovered how much easier and more confidence inspiring a 4x4 is. Not to mention cooler! Lol
I still bet there's places I go that you wouldn't make with a 2 wheeler. Depends how adventurous one is I suppose.