I can't just pick and choose when I want to go to work, so on days like today I have to weigh the options of how to get to the office...

Today, we had freezing rain which made a 5 mile section of my commute into a skating rink. Having noticed the frozen state of my parking lot, I opted to take SuperJeep to work. The logic being: If vehicles are going to be sliding around, I'd at least like to up my armour class in case of a problem. This turned out to be a good idea, because a city bus ended up going sideways in front of me, along with 2 passenger vehicles. I managed to manouvre SuperJeep and avoid becoming part of the fray, but it involved some off-pavement excursion.
Regardless, it got me to thinking: Would I have been any safer had I chosen to ride my bike to work?
- I would have avoided that section of road, opting for a 7 mile stretch of the MUP instead.
- I could have stayed on sidewalks for all but 3 miles of my commute.
- There were still multiple spin-out accidents along the non-MUP sections I'd need to ride.
- At least 1 vehicle was over the curb and partially on the sidewalk (where I would likely have been riding).

The weather promises to be more of the same tomorrow, so I'm debating whether driving or riding is the better option.
Drive (vehicle = Jeep XJ, 4wd, a/t tires): Higher impact resistance, but higher exposure time to potential vehicular interaction
Bike (Surly X-Check, studded 35mm winter tires): Lower impact resistance, lower exposure time to vehicles.

Which option would you choose?