We just had around 20 inches in Chicago. I weighed down the bed and flattened out the tires. Its 4x4 which i use as my back up plan so i didn't have it on a lot and it handled the 6 or so inches between plows up and down hills. I get having a back up plan. I keep tow strap, first aid, tool kit, etc. in my truck at all times. In bad winter weather maybe a bag with blankets, clothes, food. Just get your chains $80 for peace of mind and a sure way home sounds worth it!
I was thinking about something like those maxtrax a couple years ago but my truck went downhill so I stopped playing offroad. I was going to cut up some old tires so i had just a long flat piece of tread to shove under the tire. Never tried it but figure it would help some situations.
Also if you're trying to be prepared get a 20 ft tow strap and keep it in your truck. You never know when you or someone might need a hand. A couple days ago, in clear weather, I pulled a big chevy back on the road with my little ranger