That is the thing. Nearly any weather can be traveled through with a relative cushion of safety, though it will take far longer. I have traveled hundreds of miles in blizzards on poorly plowed roads, creeping along at excruciatingly slow speeds, white-knuckled the entire time.
There are some weather conditions, and I have driven in them, that remove nearly all safe margin.
But I agree, the two biggest problems are people who don’t understand that in certain conditions all vehicles should be driven slowly and carefully, and the second part of the problem is, there are a lot of people on the roads.
As you said, there are vast quantities of people who feel that a 4WD vehicle is safe to drive at any speed in any weather, and that just isn’t so.
She finally had enough with my slow speed and decided to pass me.
I watched in my rear view mirror as she tried to pull over into the next lane which was unplowed and promptly did a 360 spin, then veering right off the highway and up the bank of the freeway........
That was 40 years ago and I still remember it like it was yesterday.