A 4-wheel-drive could be a big help on icy and snowy roads. In that case, you'd save money from wrecks that could possibly happen. On the other hand, some other people might argue a normal vehicle can make it - when using proper precautions. Also, they could argue a person could just stay home during bad conditions.
Four wheel drive is useful on rough roads. However, if you live in a city with tar roads and rarely go adventurous then 4 wheel drive may not be the right vehicle for you.
