I think it comes down to common sense,
I've went way too many places in 2 wheel drive that maybe I shouldn't have back years ago but always made it home.
TOO many rely on or think they just have to use 4WD and AWD any more and has made 85% of the drivers totally unsafe since they think they are unstoppable.
Heck I hardly ever use 4 wheel drive on any of mine, good tires and go.
Couple of years ago when there was a lot of snow where I used to live had to really use it one time, and then only because there was about 9-10 inches of new snow and the snow plows only went down the middle which piled it up more on the sides
Agreed, knowing your vehicle is more important than 2WD vs 4WD. But, a skilled driver with 4WD will go further than a skilled driver with 2WD.