It also depends if the OP have other bikes or other means of transport. I remember once we were touring on the local mountain roads. 20" wheels. After many days of rain the roads were soaked. Wheels was not digging in but the whole area around the wheels (more than 1m2) was kind of mowing as we rode. Super heavy to ride (and I was out of shape) so something I never forget. This is why I keep a few 26" and 28" bikes around (that I almost never ride).

If I had to ride those roads on those bikes all the time I would be in trouble, and this is why it is difficult to tell others what to do. If the roads are hard 16" wheels (with wide tyres OR suspension) is no prolem.