I think there just needs to be better education on driving during shit weather. I cannot tell you how many pickups I see stuck that can handle the snow, if the owners would throw a bit of weight in it or some chains/snow tires. I shouldn't be doing better than pickups in my shitty, cheap 4 door with manual windows and locks.

Modern cars are incredibly capable (up to a point, as you said) provided owners actually know what to do, how to drive, and how to prepare/handle poor weather from the start. As you said, people who've never learned or dealt with extremely poor conditions can be way too overconfident. I'd rather more people stay home/not drive in bad weather than a bunch of people going out who have no clue how to handle it.