We live in Montana with a 4x4 E350.
In winter we have studded tires for our van, especially for Yellowstone (Gardiner - Cooke City) where the road is almost always snow packed, icy, with some steep slopes. Here I feel nervous not having studded tires with the heavy vehicle and I also keep it in 4x4 in the park. We have not needed chains yet, but I do carry them.
Most highways in the region are fine, unless there has been a recent snow storm and the main highways are snow packed and icy too.
My advice, regardless of 4x4, studded tires, or chains:
Most people get into trouble when they drive too far to the right... not everything that is snow plowed has pavement underneath... when the right tires go off pavement you typically end up in the snow bank.
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