We're all different with different needs, for me yes, 4Motion and I'd have the diff lock too, although if conditions are that bad I tend to use a more suitable vehicle instead.
I use my van on farms and in woodland all year round, tyre choice is crucial but if two vans have the same good tyres the 4Motion van will go where the 2WD won't.
Even if I never went off road I'd still spec 4M, I'm not a fan of 200hp all going through the front wheels, especially if towing or with a couple of hundred Kg's in the back.
Each to their own, it's a very subjective thing, some value 4Motion, others don't, nobody's right or wrong IMO.