Note I was born/raised in the Wash DC area so I have some 'hands-on' experience with driving in at least NoVa.
My one truly frightening event (which was my own damn fault, driving too fast for conditions) was while driving on Lee Hwy in Arlington during the Blizzard of '77; I hit a patch of black ice, spun out,
almost hit a pedestrian and came to rest in a bush across the street.
Needless to say: I left there 18 months later for California to escape that '4 season' weather.