The week we took delivery we got a foot of snow around here and a lot of ice, we managed up and down hills, had a winter kit in the car, and never needed the chains (note: expensive chains for the 21's that's for sure). Slow and easy.
I think for us we do a decent amount of winter sport - skiing and showshoeing - but it's always within a relatively safe approach from major plowed highway on and off-ramps to a state-run park or forest road close to the highway or ski resort... if we were going into a forest road we'd probably want real winter tires.