"They" the law i suspect, make you carry them over the passes in bad weather. The only time I deployed on a 4x4 (so far) was after the movers brought my stuff from Washington to my then new home in north Florida. I got my truck onto a woods road that was wet grass on top of what they called "gumbo clay". I didn't slide into the ditch but the tires were caked and this stuff is just greasy. I couldn't get the truck to move in a straight line if at all. Called another forester he comes to pull me out and slides into the ditch. He called a logger and he slid off a little further in so he calls in a lowboy with a skidder. while we waited another colleague takes us to lunch and we went by my place for those snow chains. Skidder is getting off the lowboy when we return and I just slap on the chains and drove right out! The skidder couldn't actually stay in the road either and ended up pulling the other trucks out by driving over the young pine stand... That logger got him a set for his truck!
The worst vehicle I have ever had was a '94 Ranger with the plastic bed and rear wheel only... 4 years in the UP of Michigan. I used chains mostly to get around in the back country. Deer hunting the migration was tricky with that truck. The road I lived on was always the last to get plowed however and I could muscle my way to the main road to get to work in the morning with the chains. (oh yeah, I kept 5 pulp sticks in the bed all winter too BTW)
If you have front wheel drive and don't drive mountains or out in the woods, you'll prolly be fine, No?