It gets blurry towards the edges. There are certainly roads I should not be driving on that competent 4WD folks are (in the right vehicles). I;ve also driven in winter conditions that felt very sketchy to me that I may have felt the need to drive in for work or other reasons. You don't always have the option to just Nope. I'm going to stay at home.

And, of course, if you otherwise basically never drive, you're probably a hazard in those marginal conditions.