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People buy an awful lot of excess capacity to avoid schedule adjustments on snowy days. It is easy to take a day off with lower bills, and recapture the joy of schoolchildren. Also, I knew a canny old self-insured Taxi owner who parked all his cars when it snowed, despite the increased business.
Yes, I'm familiar with roads that make lane changing a chancy proposition, with little traction and strongly differential drag leading to the spinouts seen on Russian dash-cam clips. One solution to the third wheel track problem in nasty conditions might be simply using FWD and a ski. A friend once drove 30 miles with a frozen rear brake. He got a mild flat spot on the tire.
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