Out here in the Rockies the two wheelers run sand bags in the back, snow tires and then you drive like there is snow on the road. I say keep it for a bit and pay it off some more and then see if you want to sell it or trade it.
Every one that I know who had to start out with a two wheel drive in the snow is by far better at driving in the snow.
I can still remember driving around Steamboat , Co. and people had Subaru's and 4x4 suv's of all sorts sliding off the road and stuck in snow banks. I was waving at them from my 65 f100 2 wheel drive, open diff with worn out tires on the rear as I passed by. With a couple to a few hundred pounds in the back over the axle and the knowledge that stopping requires slowing long before hand a two drive vehicle is fine.
1983 GMC 6.2L Suburban with sm465/np205, 10 bolt front axle, 14 bolt semi floater, 4.10 gears, 255/85r16's. Running biodiesel.
2007 Cummins 5.9L Mega cab with G56/nv273, Stock AAM front and rear. Stock tires size, but now have a set of hummer rims next step 35's.
1965 2WD F100 7.5L with C6 looking to upgrade to a 5 speed.
1967 mustang coupe project on hold waiting for a garage or shop.
1979 CX500 putt arounder