That's why I get the winter tires. I bought the 4WD because I feel safer with it. Peace of mind is worth the extra money.
You're preaching to the choir about 4WD. I am all about 4WD. I'm just saying that it doesn't increase braking traction. Winter tires help, but snow driving requires extra caution, regardless of these things. If your neck was the only one at risk, I'd say have at it, but you have to consider all the other drivers around you. You know, safety and stuff...