I drive a lot. I drive in snow a lot. The way I look at it, the worst thing that's likely to happen to me that's actually survivable is a crash followed by several days stuck in a snow bank.

My winter kit includes an ice scraper/snow brush, a Cold Steel entrenching tool, a snow shovel, ski gloves, spare boots and socks, spare clothes, and a military surplus Modular Sleep System. I'd rather have a Wiggy's bag but the cost differential was substantial.

Make sure to check your fluids and tire pressures as well.