In the same boat here too with OEM tires on my 2016 Trail and trying desperately to get the wife to let me throw down on some Cooper AT/W tires. Apparently, they're great in snow for an AT tire. I tried to tell her that great wintertime performance is about 60% vehicle and 40% tires, but she's not buying it.
Hmm, I've got the stock tires still and make almost weekly drives from Denver to Fairplay, CO, lots of time with snow and ice on the main roads, and some unplowed roads on the way to our place. Other than getting slightly stuck once on a steepish unplowed driveway (just goofing around), the 4R with stock tires hasn't let me down yet.
I'd probably 'feel' a little safer with upgraded tires, but slowing down and not being in a hurry is just as important as having better tires...