Up here in Canada, I had an old 1992 ranger that I bought for $150.
Has 2wd, open diff, 5 speed manual, gutless 3.0 v6, and decent on gas.
During the winter months, I have 500 lbs of sand bags in the rear, blizzaks on, and it really goes through snow.
Best money ever spent on a vehicle.
I had a 2002 FX4 Off-Road ranger at the same time as the 1992.
The 92 beat the 4x4 ranger in snow and slippery surfaces. So the 2002 stayed in storage.
Now I could've added weight, blizzaks, etc to the 2002 but the thing is a gas hog already in the summer and stupid in the winter.
Now I drive a big Dodge Cummins. It has snow tires, 1,000 lbs of weight to offset the front end weight of the diesel.
99.9% of the time, the 4wd is never used.
I drive accordingly to road conditions, which means drive slow. Meanwhile, many trucks with 4wd engaged, cars, AND some subarus as well are in the ditch.
It's the people driving, not the technology that causes problems.
I've heard many of these stories: "But officer, if I had the 4wd engaged, which I forgot to do, my boyfriend's truck would not have been in the ditch on the side, wrapped around a tree."
That response was reported in the police report. She and her boyfriend got slammed by the insurance company with higher premiums.
Insurance companies also know the better drivers are the ones with 2wds as they can't drive as fast, go through as much snow, and more likely to stay at home.