The average contractor servicing suburban and exurban properties in a work van is going to be able to trivially navigate 95% of all snowfalls with FWD with a modicum of winter driving skills. It's just not that hard, and very few places get the type of snow that requires a fully off road capable vehicle.
If I lived in the mountains of Colorado and servicing ranches or something of course I'd be buying for those conditions. But a standard city in the northern US or Canada? Meh. Total waste of money for a fleet vehicle. These sorts of locations are where something like 99% of all vehicle miles are put on.
For personal use now that I can afford it? AWD is on all my vehicles. It's a magical technology since it allows turning your brain off, and making some situations comically easy to navigate. But I'm not optimizing for cost efficiency or practicality there - I'm optimizing for luxury and convenience.