My eye-opener for this scenario came when I was still commuting 80 miles a day roundtrip for work. There was an accident that closed I-95 about 3 miles from the exit (in either direction) and so we got to sit for 90 minutes unable to move. It turned into a block party of sorts, with people sitting on their cars talking (late spring, so it was warm). I got out my CB and fired it up so that I could find out when the road opened back up (we did not have visual on the closure) and pass the word. It was a good old time. But ever since I have carried more equipment to deal with such an event. Because next time it could be cold, or snowy, or we could be there for a lot longer.
Fortunately, I have a much shorter drive now and I don't need to get on the interstate for it. I still have all the gear. Between my car trunk and my desk drawers I can camp out in the office comfortably for a couple days (which is also handy in case of Delta).
Snow is also a panic-inducer here in MD. I tend to keep my truck in 2WD until I need more just because it keeps me focused. When I switch into 4WD I switch my strategies too, since the physics rules for the operation have just changed. My biggest concern at that point is the guy in the '88 Caprice doing donuts down the road as he tries to regain control...