I am sure a few people wonder why I drive a car in winter instead of my truck. The 2010 Ford Ranger is 2WD and is not a great vehicle in a little bit of ice and snow. The truck is in near mint condition with only about 135,000km on it. That is not a lot.
My 2012 KIA is better suited for winter for a few reasons. Front wheel drive is one. I have new winter tire on it. It got damaged in a hailstorm about five or six years ago and the damage estimate to repair it was about $9,000.00. I took a settlement on it from the insurance company, less the deductible, and used to funds to pay and overpay some bills and put me in a debt free position at the time. With the existing hail damage (which is hardly noticeable) and the age of the car it might not be worth anything. At least not to an insurance company if it got written off in a claim. The car is better in the winter and it is kind of expendable.
So that is why I use the car in winter. I would be much less upset if something happened to the car in winter driving. I prefer driving the truck down back country gravel and dirt roads in the summer anyway.