Dirt roads are actually better than pavement in the snow, IMHO, as long as the snow's not deep enough that you're playing snowplow - in which case you have problems on either dirt or pavement. That's because of the rough dirt underneath.
WRT 4WD, where it really matters is going up hills, and especially starting on hills. On the level it's perhaps a little help in deep snow. Downhill it just leads to overconfidence...
IMHO again, the thing to really worry about is not snow, but black ice. With snow you may have problems*, but you KNOW there's a problem. Black ice will take you by surprise.
*Carry a good sleeping bag & some energy bars or trail mix if you're going anywhere off well-travelled roads.
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