I grew up farming and ranching and we didn't have 4x4 until I was in high school, Dad never had one until then. I learned the value of chains and proper weight distribution and the value of staying out of spots I couldn't get through, but that lesson was learned the hard way lol.
I wouldn't be without 4x4 either, and I carry at least one set of chains at all times also. And have needed them a few times.