There is a difference between FWD and 4WD, although FWD with snow tires on a plowed road comes close to 4WD. Either way, you do still need to know how to drive both and know their limitations.
My understanding of Oregon law (probably similar to WA) is that when traction tires are required in a snow zone, 4WD/AWD cars only need M&S all-weather radials (the tires that probably came with the car). In other words, you don't need to change out your tires twice a year.
But to answer your question, FWD with snow tires will almost always be sufficient.
You generally always need to carry chains in any car, because the police can require you to have them with you in case conditions deteriorate or you find you need them.