But there might be leaves on the driveway
When we lived in the Bay Area, I was always doing this analysis for (or maybe "on") people. What you would hear all the time is "I need a 4WD because sometimes I like to go to Tahoe in the winter."
So I would ask how long do you keep your cars (typical answer: 10 years) and how many times to you go to Tahoe in the winter (typical answer: 10) and how many times did you have to put on chains (typical answer: "OH God, all the time. Like six times last winter."
You can hire a chain installer to do it for you for $40. Did you do that? "No"
"Why not?"
"That's too much money. For $40, I'd do it myself."
"So you wouldn't pay $40 to sit in your warm car and let someone else get cold and wet?"
"No. It only takes ten minutes. That's like $240 per hour."
So then I would say
- looking at vehicles that have 4WD and 2WD versions, on average you pay about $3500 for AWD. But since you don't actually need an SUV-sized vehicle, that's $5000 extra
- you give up 2-3 mpg just by adding the 4WD and all the associated extras, but at least 5mpg relative to what you would get if you didn't need 4WD and perhaps as much as 10mpg - at least $500/yr, so $5000 over the life of the car
- then TCO goes up because insurance is higher, drivetrain repairs are higher. Say at least $4000 over the life of the car.
So that's $14,000. Let's be conservative and say $12,000
So you went to Tahoe 10 times. How many times did you have to apply chains? "Oh God. All the time. Like six times last year."
Okay so 12,000/10 years/6 times per year = $100 for every incident where you avoid putting on chains.
By your calculation, it only takes ten minutes, so you're paying $600/hr to avoid having to put on chains.
Needless to say, this exercise neither won friends nor influenced people.