You are confused if you conflate chains with ground clearance. They are not fungible. If your sole frame of reference is “snow” and cold weather then you don’t understand the problem. 5 inches of ground clearance is a joke in many areas. There is a reason people religiously buy Subarus with almost 9 inches of ground clearance. It isn’t negotiable if you actually understand the problem.

My minimum requirement for ground clearance for many years, and based on real-world experience, is 8 inches. I’ve owned vehicles with less and more, and used all in less than ideal circumstances re: ground clearance. The last time I had a vehicle with ground clearance as low as a Tesla, it wasn’t great for the vehicle, and I have a lot of experience navigating those conditions to minimize damage.

Just because it never has applied to you, clearly, doesn’t mean it isn’t a real problem.