On these sorts of days, the schools are sometimes closed to keep people off the roads.
Well that settles it, I'm not moving to Minnesota
In MN though (this applies to many other areas of the world that get a lot of snow/ice/cold) if we shut down that often we would get only have 1-2 weeks of travel between November and April and so it obviously isn't possible to play is safe. So we deal with it by having warm coats, boots, and other infrastructure.
That said, there were days where snow prevented me from getting to school and days where the drive home was treacherous (the only way to tell where the road was the highway reflectors sticking out of the snow). I also learned how to chain up the first year I had my license. Nearly every day in December that year, I had to chain up to get home (water on ice and ~14% grade on the first hill up to the house).