No, no, no. Speed-sensitive steering does NOT mean that a driver knows about black ice (where are your numbers proving that SUV drivers don't know about black ice and other dangerous conditions, tw?). It means that the steering is closer to pure rack-and-pinion at lower speeds and has a little play at high speeds, so that amateur drivers don't inadvertently twitch the wheel at 110 mph and throw themselves across the median.
And you're confusing 4WD with all-wheel drive. All-wheel drive assigns more drive to the wheel(s) with traction. 4WD drives equally from all four wheels. All-wheel drive was engineered for higher speeds; 4WD is meant for low speeds. Do not use 4WD above 50 mph.