I've driven my '04 Civic hybrid through the mean streets of Leesburg w/o incident ...
I was in Vienna and could have made it to work every day during Snowmageddon except the Tuesday of the 2nd snowstorm, but I could work from home and my wife couldn't.
7 and 50 will get cleared pretty quick but after that, you might be at Marion Barry speed of snow clearing.
Many HOAs can take a while to clear their streets. The towns usually do a good job of plowing their streets.
With that said, there's at most 8-10 days when you'd need this -- if your job is secure enough you could work from home, etc., then no need to cough up $500 a month for a limited contingency. Just be sure to stock up on groceries.
West of the Loudoun line, I'd say a 4WD might be more necessary since there'll be fog/freezing quite a bit. If you're close to the line or off a paved road, then I'd say you're more likely to need it.
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