Having lived in Canada for 13 years, I have found for some cars winter tyres are a good idea.
3 series BMW’s are notorious in Toronto for getting stuck on ‘summer/all season tyres’ the tread just fills up with snow, and that can become a huge issue.
I also had a T5 Volvo V70, and that was not great on wider low profiles. However switch to narrower steel wheels and snow tyres and it was fantastic !!
The overall cost, if you keep your car for a while, is not that great as generally, snow tyres are cheaper than low profiles, so the cost v wear, will even out over time. Not to mention the saved insurance deductible/excess, and loss of no claims bonus to factor in, if you have a bang.
It is in the same category as say Seat belts-ABS etc. in an ideal world, no, they may not be necessary. But for some scenarios, they are essential.
However the fact is that they do work in snow and cold weather, and can be useful.
One downside we have here in the Uk is though, smaller garages, and storing another set of wheels, for some people, is really just not an option if they do not have the space.
Generally though I do totally agree, that a lot of, but not all, 4x4 owners do have a somewhat false sense of security.
The biggest issue really is speed-braking distance. Heavy 4x4’s have quite a long stopping distance on ice. They think ABS will stop them instantly, alas physics dictates otherwise.
Mind you, Darwins Law might eliminate all the idiots soon… watch this space… (or ditch)